Borrowing money online is now easier than ever!


Our loans online application takes just a few minutes of your time, followed by an instant lending decision. If approved, your loan of up to £1,100 can be in your bank account within 1-3 hours. Cashfloat is a responsible direct lender, and we’ll do our best to help you obtain loans online even if you have bad credit.

Apply now for a new loan experience!


Online loans from Cashfloat

At Cashfloat, we do our best to give you the smoothest experience possible when applying online. We use advanced technology to be able to offer you the best service and to ensure that your security is not compromised. There are a wide range of online loans in the UK, and choosing a specific product such as online loans with monthly payments or from direct lenders can help you narrow down the options. But before we go into that, let’s first discuss why you may get a loan from online companies over tradition bank loans.


How do I apply for a loan online with Cashfloat?

It is easy to apply with Cashfloat. All you need to do is click on the apply button and follow the online application form through. We have kept it short and simple – no documents or files needed – so that the process is easy to complete in a time of crisis.


What makes a payday loans online different to a bank loan?

The main differences between a bank loan and an online payday loan in the UL are the speed and ease of access. When you apply for a loan from a bank, you usually have to go through a fairly complicated process including meetings, paperwork and a long wait. Online payday loans from a direct lender are very different in this regard. Cashfloat’s entire loan application process is purely online, and the form only takes a couple of minutes to fill out. You will then receive an instant online decision, and if approved, we’ll send the money within one hour.


How much money can I get online?

How fast can I get an instant loan online?

Most cash online lenders only offer small amount, usually between £150 and £1,000. With Cashfloat, you can get from £200 up to £1,100 sent directly to your bank account, subject to approval. Remember, although it may be tempting to borrow more money just because you can, only borrow the amount you’ll need.

At Cashfloat, we understand that you need the loan urgently, and speed is one of our priorities. We’ve streamlined our online loan application process so that filling out the form only takes two minutes, and you’ll receive an instant loan decision online. If approved, you can receive your instant pay day loan online within 1-3 hours.

How much money can I get online?

Most online lenders only offer small amount, usually between £150 and £1,000. With Cashfloat, you can get £200 up to £1,100 sent directly to your bank account, subject to approval. Remember, although it may be tempting to borrow more money just because you can, only borrow the amount you’ll need.

How fast can I get an instant loan online?

At Cashfloat, we understand that you need the loan urgently, and speed is one of our priorities. We’ve streamlined our online loan application process so that filling out the form only takes two minutes, and you’ll receive an instant loan decision online. If approved, you can receive your instant pay day loan online within 1-3 hours.

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Points to consider:

When looking to borrow money online, there are several different factors to take into account. We’ve summarised them below for your convenience.

  1. Can I get online loans for bad credit in the UK?
  2. You can apply for a loan online with bad credit, although you may find it harder to be approved. At Cashfloat, we don’t judge you by your credit score, but rather by affordability. This allows us to offer bad credit loans online with an instant decision, helping you as fast as we can. So, as long as we trust that you can afford to repay the loan, we are happy to offer online loans for poor credit online. This also applies if you are on benefits or unemployed.


  3. Can I get online loans with no credit check?
  4. Cashfloat do not recommend this for the following reason: Online payday loans with no credit check are completely illegal in the UK. All credit providers are obligated by law to carry out a credit check, leaving a footprint on the applicant’s credit file. Cashfloat advise you against making several loan applications within a short period, as all the searches show up and could be a red flag for future credit checks.

    While you may think that the only way to find a fast loan online is with no credit check, this is incorrect; high tech lenders such as Cashfloat offer instant loan decisions online while still performing thorough checks to ensure we lend responsibly.


  5. How quick can I get my loan online?
  6. Many lenders in the UK will call their loans online – fast, quick or instant. However, these words are relative. It is important to find out what each lender is explicitly offering their customers before making a decision. Some refer to a fast all rounded process, others may offer to give an instant decision but will only fund the loan the next day. There are many different payout choices; same day, 1 hour, 3 hours, next day, etc. We offer an instant decision, and if approved, we can fund your online loan within 1 hour (subject to office hours).

  7. What is an online loans direct lender?
  8. There are two types of companies you can apply with: a direct lender who approves and sends you your loan, or a broker who works to find you a direct lender. Dealing with online loans direct lender often makes the process simpler and quicker. Cashfloat is a trusted direct lender. However, because we want to help, if we can’t lend to you we do offer another option where we try to obtain a loan for you from another lender. We will never pass on your information without your permission.


  9. Is a guarantor loan better than a non-guarantor loan?
  10. Wherever possible, you should borrow instant online loans with no brokers involved. For a fast borrowing experience, you should also try and get your online loans with no guarantor. This is because guarantor loans online often require the extra paperwork of the guarantor, thus taking up more time. However, although guarantor loans take a long time to receive, they can be cheaper as there is less risk involved for the lender. We do our best to help you get a loan online as quickly as possible. That’s why Cashfloat offers online loans same day with no guarantor.


  11. How can I know if a lender offers safe loans?
  12. If your details fall into the wrong hands, you can lose your money in a matter of minutes. Luckily, there are several ways to check the security of a website, such as the padlock in the URL bar. This is how it looks in Chrome:



    Taking basic safety precautions when applying for a loan online will go a long way towards keeping your personal and financial details safe. Moreover, fraud is very common in the payday lending market. Vigilance is key, and our security centre provides you with more detail on how to ensure you are borrowing from a legitimate and fca licensed number.


  13. What is a loan shark?
  14. Any lender that is not registered with the Financial Conduct Authority is operating illegally, and will not follow the regulations that were put in place for your safety. If you are having a hard time finding loans online in the UK and were considering using loan sharks, stop right there! There is no such thing as licensed loan sharks online. Although it can be easier to get approved by loan sharks online in the UK, they are very dangerous and are known for their brutal collection tactics. The best online loans you will find in the UK are from FCA authorised lenders like Cashfloat. They will have affordable rates and responsible policies, and they will make it their business to treat you fairly.



Cashfloat – a new online lender

Cashfloat is a direct lender offering unsecured loans online, no matter your credit score.  If you need an amount between £200 and £1,100, you are welcome to apply via our 100% online loan application. We have a 90 second lending decision and fund loans within 1-3 hours. Apply now – we’d love to help!


Written by: Kelly R
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