Payday Loans

You have bad credit but you still need an instant payday loan today. We are payday loans direct lender and we have already helped many people with poor credit history to obtain an affordable payday loan online. You can apply for up to £1100 and get an instant decision. Once approved, you can have the money in your bank account on the same day. Cashfloat is a direct payday lender authorised and regulated by the FCA. All our loans are unsecured and we’ll never ask you for a guarantor – Apply Now!




Your Payday Loans Information Card
  • You can get a pay-day loan between £200 and £1100
  • Feel free to apply, even with a bad credit score
  • You can repay your online payday loan in up to 4 instalments
How Much Can I Borrow?
  • 3 minutes to complete the payday loan 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 payday loans direct lender.
  • We welcome people with bad-credit
  • Unsecured loans, no guarantor needed
Why Cashfloat?

Cashfloat payday loans

FAQs about Payday Loans

Getting a payday loan from a direct lender

Applying for a payday loan online is fast and easy, even if your credit history is far from perfect. As an FCA regulated direct lender, we want you to understand everything about borrowing money online. We tried to answer many frequently asked questions below but we want you to know that you can always contact us if you need any further clarification. Cashfloat is a premium payday loans direct-lender. We are constantly getting five star reviews from people in the UK. Our technology is tuned to assess your affordability to repay the monthly repayment over credit check. So even with very bad credit, you are welcome to apply and join our rapidly growing happy customer list.


Payday Loans for Bad Credit

A bad credit score does not mean you can’t get a good payday loan from a direct lender online. The key is to apply for a loan you can afford to repay on time. Do not be tempted to put your personal details on websites offering no credit check or payday loans guaranteed approval.


Can I get bad credit payday loans from Cashfloat?


Can I get a payday loan with no credit check?

Yes, you can. Cashfloat is a bad credit payday loan 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, even with bad credit!

Lots of people ask us about getting no credit check payday 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 must perform a basic credit check. Don’t let bad credit score keep you away from reputable lenders.



Payday Loans Direct Lender

Cashfloat is a fully authorised payday loan direct lender operating in the UK. Many people prefer to obtain a payday advance from direct lenders only. We have heard many reasons why consumers prefer to work with direct lenders only. It mostly comes down to the safety of your personal information and the fact that you want to know exactly with whom you are obtaining credit.


What is better? A payday loan lender or a broker?


Can a direct lender provide guaranteed payday loans?

Let’s examine the difference between a direct lender and a broker. 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 a payday loan only from direct lenders. Not a broker.

Guaranteed payday loans direct lenders is a term that usually implies that you would need a guarantor to secure your pay day loan. Cashfloat is an unsecured loan direct lender. We have high acceptance for people with bad credit, and we get you an instant decision without a guarantor. As an FCA authorised lender, we cannot guarantee to approve your loan.



Instant Payday Loans

The term instant payday loans refers to the speed of decision and money payout. All our online loans can easily be classified as instant loans. When applying, you’ll get a decision within 90 seconds, and we’ll always do our best to make sure that you’re funded on the same day that you’re approved.


How fast can I get instant loans online?


Are quick payday loans safe?

First of all, the process will always be faster if you use instant payday loans direct lenders instead of brokers. Moreover, the combination of instant decision and instant payout means that the whole borrowing online process can take less than an hour. Still, it is important to remember that as fast as these loans may be, instant UK payday loans are not always the cheapest credit available for you.

With the high level of technology nowadays, it’s easy to think that some quick payday loan lenders might be cutting corners and perhaps providing instant payday loans with no credit check. You’ll be happy to know that the reason Cashfloat offers such a quick service is because we have streamlined the process with enhanced technology improvements. As per the FCA, we perform a credit and affordability check on every incoming application. The only difference is, we do it fast!



Payday Loans UK

To apply for a UK payday loan, you only need to fill out a short application form online. To do this, you must be a UK resident over 18. Convenience lenders like Cashfloat will not need any paperwork from you. Payday loans have undergone a great deal of change in the UK, making them a safe and reliable source of short term finance. Still, payday loans in the UK should only be used as a quick remedy for unexpected expenses or bills and not as a long term solution.


What are the best payday loans in the UK?


How much can I borrow from a UK payday lender without a guarantor?

The best payday loans in the UK are loans that help borrowers through a temporary financing gap. In fact, the UK loans market has become a leading example with robust regulatory framework and interest rate cap. Consumers in the UK have better transparency and confidence to use this type of credit.

Uk payday loans without a guarantor usually range from £200 to £2,500. Many UK lenders will approve you for small payday loans without a guarantor even with bad credit. In the UK Cashfloat offers payday loans with an instant decision of amounts between £200 and £1,100. Safety reminder: In the United Kingdom, payday loans with no credit check and no guarantor are illegal.




Why should I trust Cashfloat to get me the best payday loan?

Well, we can answer this question quickly by telling you that we are a fully authorised payday loans direct lender. Our cutting edge technology is made to help people with bad credit get a good loan online. We have a high acceptance rate, even if your credit history is not perfect. We also offer a lower interest rate than most lenders in the UK, and we don’t ask for a guarantor. The application process is safe and straightforward, Cashfloat is one of the first lenders in the UK to comply with the GDPR rules to protect your personal information. We provide instant decision and money in the bank same day, once approved.

But on top of this all, we are here for you! Our customers rate us a five star lender year after year. Our people will help you with anything they can; this is our corporate culture! We hope you will trust us with your next loan.




Written by: Kelly R
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