Payday Loans from Cashfloat

Pay day loans are small, unsecured loans that are lent at a high rate of interest over a short period of time, with both the principal and interest repaid on a single repayment date, usually the borrower’s salary day. The average payday loan in the UK is £270 for 30 days. Payday loans are designed for emergency use only, and should never be used to try and solve a long term money problem.

A direct lender processes your application and gives you money directly. In contrast, when you submit your application form to a broker, they sell it to direct lenders. They may even charge a fee for this. The company that bought your application will then decide whether or not to lend to you. Our opinion: Borrow money online from a direct lender only. Not a broker.

Lots of people ask us about getting no credit check loans with guaranteed approval. While this may sound tempting, payday loans in the UK with no credit check are not a valid option. Please keep in mind that any FCA authorised lender in the UK will perform a basic credit check. Don’t let a bad credit score keep you away from reputable lenders.

Yes, you can. Cashfloat is a bad credit direct lender that is fully authorised and regulated by the UK’s Financial Conduct Authority. Although some lenders will not approve people with poor credit unless they have a guarantor, our brand new technology makes instant loans accessible online for more people in the UK, no matter what their credit score! Apply today for your bad credit payday loan!

Yes, if you are looking for a bigger loan with cheaper interest rates, we have the perfect alternative. You can apply for our small personal loans and get up to £2,500 today. These cheaper rates on our small personal loans make them far more affordable and can help you finance larger expenses without getting stuck into a continuous cycle of debt.

Yes, all our loans are unsecured. This means that when you apply for a loan with us, we will never ask you for a guarantor or to secure an asset against the loan. The good news is that we also offer unsecured loans for bad credit, so if you were worried about getting accepted for an unsecured loan in the UK because of your poor credit score, you have come to the right place. Click here to apply for up to £1000 from an unsecured loan direct lender who cares about getting you the money you need when you need it.

With our new easy start option, we provide lower APR payday loans for people with bad credit. This makes the payday loan cheaper and more affordable. Other lenders might offer more expensive loans to people with poor credit to lower the risk that they might not repay. But at Cashfloat, if we see you can afford the loan repayments, we will be happy to provide you with a cheaper payday loan no matter your credit score.

‘Guaranteed payday loan’ is a term that usually implies that you would need a guarantor to secure your payday UK loan. Cashfloat is an unsecured payday loan direct lender. We have high acceptance rates and we get you an instant decision loan without a guarantor. As an FCA authorised lender, we cannot guarantee to approve your payday loan.

If you want to get the best payday loan rates in the UK, a good credit score will be a big help because it indicates financial responsibility, which lenders are looking for. At Cashfloat, we don’t just look at your credit score, we take your broader financial picture into account and focus on affordability over your credit rating to offer you the best payday loan deals.

Are you looking for the best payday loan company in the UK? You have come to the right place. We provide the same loan rates to all our customers regardless of the credit score, and with our Easy Start option, you get an extra month to repay your loan entirely interest-free and cuts your personal APR in half! Complete your application now to experience the difference!

Cashfloat offers high acceptance payday loans from a direct lender, for customers with all types of credit. However, since every applicant’s circumstances are different, our loans may not be the right fit for everyone. We are committed to lending responsibly, so we can’t guarantee 100% acceptance – but if you need a payday loan today, fill out our easy application form, and you’ll get an instant decision from our underwriting team.

With Cashfloat, once you complete our 3 minute application form you can get an instant decision and same day funding if approved. Although many people who apply for instant payday loans assume that they will receive their money straight away, all responsible lenders will need to perform some checks. As a trustworthy lender, we will always carry out the necessary credit and affordability checks before we approve a loan request.

At Cashfloat, we understand that life is messy and unpredictable. If you can’t make a repayment, it’s tempting to hide from your creditors. If it does happen that you are unable to pay your loan back, don’t worry! Just give us a call and one of our friendly representatives will help you set up a manageable repayment plan!
Treating customers fairly is one of our biggest priorities and we will make every effort to ensure you are happy with your new arrangement. Remember, even if you miss a payment we will never charge you more than originally agreed in your contract.

When you need that payday loan urgently, it’s frustrating to have your loan declined again and again. Often, it can be simple to fix the problem of why your loan was declined. For example, your loan application may be declined because of errors in your credit report, or it may be there is some information missing on the application form. Whatever the reason is for your loan decline, it is usually easy to fix.