Cashfloat Payday-Loans Online

Cashfloat’s payday loans are 100% online. You can get up to £1,500 today directly from your mobile phone, computer or tablet. It takes around 3 minutes to complete the application and you will get an instant decision. Cashfloat is a payday loan direct lender that concentrates on helping people with bad credit to get the money they need. We’ve already helped over 50,000 people in the UK.

Ready to apply with Cashfloat? Just click the button below!


Looking for Trusted Payday Loans?

If you find yourself needing money, but your salary day still seems far away, you can apply for our online payday-loans here. These are small loans with an FCA capped daily interest rate of maximum 0.8%. Once approved, you can get the funds into your bank account just a few hours after you apply. Many people use our online loans to handle unexpected bills, emergency expenses or home repairs. Cashfloat payday-loans come with all the best features:

  • 3-minute online application form
  • Instant decision
  • Same day funding
  • High approval rate for people with poor credit
  • Flexible repayments
  • No Guarantor needed
Break your Payday Loan Into Smaller Repayments with Easy-Start
Easy-Start also gives you up to 50% off your payday loan APR

You can now use the new Easy-Start feature on all payday loans from Cashfloat! Easy-Start lets you make a small token payment towards your loan on your first payday, giving you more time to get your finances in order before a big payment is due. On top of a reduced first payment, we’ve also added an extra interest-free month to all Easy-Start loans to give you more time to repay your loan.

So why not take it easy that first month? To apply for an Easy-Start loan from Cashfloat, just click the ‘Easy Start’ button when filling out your loan application to see how your loan instalments instantly become more manageable.

Have questions? Check out our Easy-Start FAQs here.

How it works
a step-by-step guide

Choose how much you would like to borrow and apply online.


Get a lending decision within 90 seconds.


Once approved, money will be with you the same day.


Make flexible monthly repayments online.

Cashfloat for People with Poor Credit

At Cashfloat, we believe that everyone should be able to access affordable credit for emergencies. A credit score is just a number, and we maintain that it’s not the only indicator of creditworthiness. That’s why we’ll assess your ability to afford a payday loan in the overall scheme of your budget. We believe that people with poor credit can get a good loan from a direct lender online — the key is to apply for a loan you can realistically afford to pay on time. You can use our free online affordability calculator to work out how much you can afford to borrow! Apply for a safe, affordable loan from Cashfloat, a trusted direct lender online.

Can I get a payday loan with no credit check?
Can I apply for a payday UK loan if I have bad credit?

Why Choose Cashfloat?

Forget what you know about payday lending in the UK and step forward to Cashfloat payday loans, a whole new short term credit facility that gives you full control of your loan! With Cashfloat, you can:

  • Apply for loan amounts up to £1,500
  • Get approved for a loan, even with bad credit
  • Pay early before payday and save money
  • Login at any time to manage your loan

How much do you need?
Other amount
Ready for a Cashfloat payday loan?
Repayment total

Repay over: 3 months, 3 repayments of: £220


Cashfloat is a Payday Loans Direct Lender

Cashfloat is a fully authorised direct lender operating in the UK. Many people prefer to obtain a payday advance from direct lenders only – and for good reason too. 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 are payday loans?

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.

What is a payday loan direct lender?

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 payday UK loans from a direct lender only. Not a broker.

Does Cashfloat offer guaranteed loans?

‘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 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 loan.

Can I get an instant payday loan?

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.

What will happen if I can’t repay my loan on time?

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.

What can I do if lenders keep declining my loan application?

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.