Loans Online

Are you looking for loans online from an FCA authorised direct lender? We offer online loans of up to £1,100 even if you have bad credit history. Our online loan application takes around two minutes to complete, and you get an instant lending decision. If approved, the money can be with you in just 1 hour.  Cashfloat’s loans are a reliable online option for you.

Your Online Loan Information Card
  • You can get an online-loan between £200 and £1100
  • Feel free to apply, even with a bad credit score
  • You can repay your online loan in up to 4 instalments
How Much can I Borrow?
  • 3 minutes to complete the online application form
  • 90 seconds instant lending decision
  • 1 hour from approval, the money should be in your bank account

* Average numbers

How Fast Can I have the Money?
  • We are an FCA authorised loans online direct lender.
  • Our website is safe and secure
  • We offer hassle free loans. No fax, no paperwork and no guarantor needed
Why Cashfloat?
FAQs about Loans Online

Online Loans from Cashfloat

At Cashfloat, we will 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.

How Fast Can I Get Loans Online?

Need loans instantly? At Cashfloat, we understand that you need the loan immediately, and speed is one of our first priorities. Simply click on apply now, fill out your details in our simple online application form and if approve, you can be funded withing three hours. We also offer online loans for bad credit, so don’t be put off from taking a payday loan even with bad credit. At Cashfloat, we don’t judge you by your credit score, but rather by affordability. So as long as we trust that you can afford to repay the loan, we are happy to offer bad credit loans online.

How Much Money Can I Borrow Online?

A wide variety of online loans is available in the UK. As the name suggests, you can apply for these loans online. Most online lenders only offer small amounts up to £2,000. With Cashfloat you can get up to £1,100 within approximately 1 hour. No paper work or driving to the bank is required.

Online loans are not always the cheapest credit option available for you. Here at Cashfloat, we always encourage our customer to compare the online financing options available for them before applying for a loan.

All our online loans are unsecured and require no guarantor. Some lenders offer low-interest loans online for eligible people. In the UK, online lenders must perform a credit check before they can approve your online loan application. Let us say it loud and clear: No credit check loans are not a legal product. You can apply online with bad-credit. Many direct lenders would weight your affordability against your poor credit situation. Cash loans online are usually paid on the same day of approval.

Cashfloat offers responsible cash loans online for people in the UK that can afford the repayment. We make it as easy as we can for you to apply but we always run a full assessment to ensure our online loans is right for you.

Will I be able to find no credit check loans online with instant approval from a UK lender?

The short answer is no. Online 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. Remember: Every lender will look at that footprint differently, so it is not necessarily a bad thing. Although you won’t find online installment loans with no credit check, you can get quick loans online from responsible online UK lenders. For example, with Cashfloat, you can apply for fast loans online and be funded within just a few short hours of applying!

I need bad credit loans online with an instant decision. What now?

You can apply for a loan online with bad credit, but not all lenders will offer an instant decision. This can be annoying, especially if you need the money urgently. To find loans online with an instant decision, you need to search for lenders that specifically mention that they offer this feature. With Cashfloat, you can apply for instant loans online without your bad credit getting in the way. Our loans online come with an instant decision, so you will already have your first update within 90 seconds of applying.

What are the best online loan companies for safe loans in the UK?

The best online loans you will find in the UK are from FCA authorised lenders. They will have affordable rates, responsible policies and they will make it their business to treat you fairly. If you are having a hard time finding loans online in the UK, and were considering using loan sharks, stop right there! 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. There is no such thing as licensed loan sharks online, so make sure to avoid any and all loan sharks online applications at all costs.

Why should I borrow from online loans direct lenders with no guarantor?

Wherever possible, you should borrow instant online loans with no brokers involved. Dealing with a direct lender makes the process simpler and quicker. 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. Cashfloat is a trusted direct lender. We do our best to help you get a loan online as quickly as possible. That’s why we offer online loans same day with no guarantor.

How Can I be Sure that I am Using a Safe Lender When Applying for Online Loans UK?

The internet is becoming an increasingly popular platform for many activities, as well as online loans. But before you apply for a loan online, you must be aware of how to keep your details safe. If your details fall into the wrong hands, you can lose your money in a matter of minutes. In this article, you will find out exactly how to protect yourself when you apply for a loan online, and ensure you and your money are safe.

Why do I need to protect my money online?

Recent research carried out by the Department of Commerce’s National Telecommunications and Information Administration (May 2016) demonstrated that half of Americans that use the Internet are hesitant to make online transactions because of the chances of privacy and security breaches. It is clear that there is a need to protect loan borrowers online. For this reason, we provide you with this informative guide on how to protect your security online.

We have also published a practical guide on how to identify a safe lender’s website.

Proper use of Credit/Debit Cards Online

One of the most common methods used to shop online is by using a credit or debit card (otherwise known as a ‘plastic card’) for online payments. The most common example of risking security online is by misusing a credit or debit card. Whoever has the details of our cards can withdraw money from our account, either directly, or by using it for shopping online. Many inventors have tried to come up with alternative methods to the plastic card, but in the end, plastic cards are mainly used to carry out online payments plastic cards.

As a consumer, we only have the ability to protect our information at the first stage, which is between our computer and the server of the shop. Beyond that, we have no real control. Therefore, it is in our best interest to use one of our strongest assets: The Use of Common Sense.

If the website looks good, there is an ‘about us’ section, there is an address, telephone and email address for service, it is likely that whoever is on the other side of the screen is serious. If, on the other hand, the website is completely anonymous – you don’t know what country it is in, and there is no address and telephone number, it’s best to steer well away from that website. We can also tell if the connection of the server is secure or not.

How to identify a secure and non-secure connection when applying to credit online

What is a non-secure connection?

With a non-secure connection, all the information that passes between you and the store’s website can be made public. It’s pretty much like an old landline phone, where anyone who connects to the two phone line wires can listen to the conversation. If we are sitting in a cafe with free Wi-Fi, any person who is in the cafe, can (using special software); keep track of everything we do. If you are performing a financial activity using an insecure connection, it is more or less like standing in the middle of Hyde Park and shouting out your card details to the passerby.

What is a secure Connection?

The address bar at the top of our browser shows an important safety sign. Any web address will commonly begin with “http” or “https”. The first one means that the connection is insecure, while the latter means that the connection is secure. Very simple.

To assist us further, browser manufacturers have put an icon of a padlock when a secure connection is made with a server. Here is an example of how this looks on google chrome.

What does this padlock icon mean?

In order for a website to establish a secure connection with us, the customers, they need to purchase a special ‘certificate’. Each certificate is created especially for the specific website. These companies will confirm who they are, whether they are entitled to use the web address of the site and more. Only after verifying that everything is in order, will the company then issue the certificate to the website. The certificate is only valid for a limited period of one year or three years, after which the site must pass a re-examination.

Fake phishing announcement

In this way, the customer is assured that when there is an icon of a padlock, not only is the communication secured, but it is also clear that the company behind the website has been verified and found to be OK. The administrative details of the company owning the site, and of the company which verified it are easily available to customers. If a customer wants to see these details, all they have to do is click on the padlock icon.

Using PayPal to pay your online loans

Fortunately, there are excellent solutions that allow us to reduce the risk. There are big, well-trusted financial companies that can serve as an intermediary between buyers and sellers. One of the most well known ones is PayPal.

When a payment is made through PayPal, the transaction is not performed by the store’s site. Instead, PayPal does it. Once the customer is at the checkout phase of making a purchase, the shopping site redirects the customer to PayPal. The customer inserts their details into PayPal’s website and not the shop’s. When the payment is made successfully, PayPal transfers the payment to the store. According to its rules, PayPal can also be used as mediators between the customer and the store in the case of a dispute. They have rules that allow (under certain conditions) you to initiate a refund of payment.

Prepaid Cards

Another tool that can be used in order to shop in a safe way, without the need to expose our personal card details, is the use of a prepaid debit card. Some lenders will allow you to repay your online loan with prepaid card. This card does not belong to any bank account. You can load it with money, and use it for payment. In this way, there is an isolation of the website from the your bank account. The amount of money that is endangered is only the amount of money loaded onto the card and not a penny more.

What’s the Process when Applying for Loans Online?

After applying for a loan online, you will get an instant loan decision. If we approve you, we aim to get the money to you in 1 hour. When you take an online loan, you enter into a binding agreement with the lending company. Therefore, you should always use with a serious company that gives good service. The question is: How do we know if the company is serious and can be trusted when you apply for a loan online?

First of all, the rules we mentioned earlier also apply here. The site should present a serious impression. You should expect it to look more like your bank’s website, than that of an amusement park’s website. You should also expect it to have all the information you need in a clear and transparent way. It should be obvious who the people behind the company are, who you’re signing the agreement with.

Here are some safety measures you should take to ensure your computer is safe:

  1. Use updated anti-virus software
  2. Update your operating system regularly

Fortunately, updates of our operating system are usually done automatically. So the only thing left to do is to ensure that you install good anti-virus software that will protect you.

When Applying for a Short Term Loan Online, be Suspicious

  • You surprisingly won the lottery collaboration of Microsoft or Intel European lottery, without ever buying a lottery ticket, be suspicious.
  • Your bank is threatening to close your account within 7 days if you do not log on to the link attached, be suspicious.
  • Someone approaches you, and asks to use your bank account to transfer $37 million lost by a South African millionaire who disappeared, and get nice fee in return, be suspicious.
  • Tesco offer you credit for your purchase, because of an administrative error they made, be suspicious.
  • You have just been told that the UPS package you ordered from abroad is stuck in customs, and you need only to sign the attached documents, but you don’t recall ordering anything, be suspicious.

An example of a fraud letter

In many cases, anti-virus can save you. But still, it is better not to put it to the test. Be suspicious. If someone is bothering to send you such things, it means that it very often works for them.


“Phishing”- pronounced just like “Fishing”, is an improvement to the issues described in the previous chapter and is a term used for something pretending to be something else to obtain information.

Let’s look at an example: Imagine you get an email from HSBC bank. By coincidence, you do have an account with this bank. By coincidence, you also have a credit card with this bank. The email requires you to activate the card. The email contains an embedded ‘link’. Clicking on the link will take you to the website of the bank and guide you with simple instructions on the way that you need to activate the credit card. You then need to put in the standard details; Credit card number, expiry date, CVV and PIN code. The site even looks 100% identical to your bank’s website – same logo, same style. Very convincing.

Alarm bells should ring! First of all, we mentioned that nobody should ever ask you for the PIN of your card. A look at the URL looks something like this: At the same time, you know that the real bank address is: This means that you have reached a phishing site which aims to get your card information. A minute after you complete your ‘card activation’, someone in the Far East will prepare a copy of your card, go to the nearest ATM, and empty your account.

As we said before, always be suspicious. The rule of thumb when using the Internet is: “Guilty until proven otherwise”.

We have seen all kinds of defense mechanisms to protect you online. But, it is better to avoid such situations altogether. After all, your most useful asset is common sense.

Just to finish, the Internet is a great place. You can find good bargains you won’t find anywhere else. However, you will only enjoy it and get as much out of it if you follow the precautions laid out above.

Get a loan online today

Just by doing a quick search on Google, you will see that there are a lot of options for loans online. Cashfloat uses advanced technology designed to help you when applying for your online loan. Online borrowing is an important decision. Please make sure you understand the terms of your online loan and always make an educative decision. If you’re looking for loans online, Cashfloat provides a smart choice.

Cashfloat is a direct lender. We are here for you. If you need an amount between £200 and £1,100, you can apply even if you have had bad history with previous credit providers. All our loans online are unsecured and require no guarantor. We have a 90 second lending decision and always try to provide same day funding. You are welcome to apply now.

Written by: Kelly R
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