Are you struggling with an emergency and just need some extra cash? With our 24/7 loans, it has never been easier before! Whatever you credit score, you can apply for £300 up to £1000. At The Cashfloat Team, we focus on your ability to apply anytime, anywhere. 24 hours a day, seven days a week.


24/7 Payday Loans

Our 24/7 loans are tailored to those who require instant solutions. We recognise that waiting for a decision is often more stressful than the problem itself. So with our instant cash loans 24/7, we make sure your money arrives precisely when you need it.


Apply 24 hours a day!

How Do 24/7 Loans Work?

As the name suggests, payday loans are generally used for short-term emergencies, offering funds for urgent matters that can’t wait until you are paid. As a temporary solution, this type of 24 hour loan comes with high interest rates, meaning they should never be used long-term. Funds are paid back monthly. Usually the same day you receive your salary, for a duration of between three and six months. Here’s how the process works in three simple steps.

  • Step 1: If you’re unsure whether you qualify for a payday loan, first check out our handy affordability calculator before you start your application.

  • Step 2: When you’re ready to begin, simply fill in the short form online, providing all your information. This process takes less than three minutes.

  • Step 3: Find out instantly whether your request has been approved or declined. The beauty of our 24/7 financial loans means you will receive a response any time of the day.

As our entire financial services business is based online, we ensure the utmost convenience, providing a safe, hassle-free and speedy service for all our customers.



24/7 Payday Loan Direct Lenders

Loans can be granted in two ways; either by brokers or by direct lenders. What’s the difference between the two, and which is the best option for you? Well, that depends on many factors and your personal situation. Let’s first take a look at the functions of each option:

  • A credit broker works on your behalf to find a third party who can offer you the best loan deal.

  • A direct lender works with you alone, using no external parties.


If you have a perfect credit score, brokers can often find you better deals. However, those with bad or fair credit have more chance of acquiring a payday loan with a direct lender. The latter also makes sense for those requiring instant cash loans 24/7, as brokers need time to scour their sources and communicate between parties.


On the other hand, direct lenders have all the information in front of them, provide quicker responses, and transfer the money directly. Additionally, with a loans direct lender, you know exactly who you are dealing with throughout the process, avoiding any uncertainty as to where your information will end up.


At Cashfloat, we provide the best of both worlds. Above all, we are a payday loan direct lender and strive to help everyone despite complicated or unfavourable circumstances. However, if this is not possible, we won’t leave our customers out in the cold. Instead, we will do all we can to put them in touch with someone who can help through our credit broker service. If this fails too, then we will direct you to another provider to assist in repairing your credit.


Apply Now – bad credit accepted!

24/7 Loans No Credit Check

Perhaps you need emergency funds right now, yet you know you’re unlikely to receive the money you need on account of your poor credit history. A no credit check is then certainly very tempting. However, if something seems too good to be true, it generally is. And unfortunately, that’s often the case here. Lenders accredited under the UK’s regulatory body (the FCA) are encouraged to check credit without exception before approving any 24 hour loan status. Companies ignoring such practices may not be regulated by the Financial Conduct Authority (FCA) and may not be on the financial services register and could end up leaving you in all sorts of financial trouble.


Even if you have bad credit, you are still welcome to apply with us. In fact, our payday loans are actually geared towards customers outside the good credit bracket. We will always take everything into consideration when dealing with your request and look at factors beyond credit, such as your legitimate ability to repay, when making a decision.


Payday Loan 24/7 Payout

As your funds are needed urgently, you can expect a speedy response from us, delivered around the clock. As all our processes are handled online, you can fill in your application even at weekends or during the evening. If your request is approved, we aim to transfer the money the same day, typically within a 1 hour after approval.


All our 24/7 loans are unsecured, meaning a guarantor or collateral is not required to activate the payment. This adds to the quick turnaround and results in less hassle for everyone involved. The only conditions for applying are limited to the following:

  • You must be 18 years of age or above

  • You must be a UK citizen

  • You must be in possession of a UK bank account


Cashfloat 24 hour loans are available for customers on benefits, although we recommend having an income to improve your chances of securing your emergency funds.


Apply 24/7!

Instant Loans 24/7

With our instant cash loans, we want to give bad credit customers the opportunity to alleviate their financial troubles quickly, efficiently and with as minor damage to their bank accounts as possible. That’s why we actively encourage our clients to repay their debt as early as they can, without penalty fees, to ensure they only pay when the loan is active. Managing your repayments is made easy, too, as you can log into your account any time and access all your information. If you’re still struggling to comply with your payment plan, get in touch, and we will see what we can do to get you back on track.




24/7 Loans from Cashfloat

Cashfloat strives for a superior customer experience. We are transparent, reliable and will do everything we can to meet your needs. One way of achieving this ambition is to provide our customers with instant decisions. Waiting around for 24 hour loan approval can create unnecessary surplus stress. With getting a bad credit loan, the application process is straightforward and speedy.


After completing the online application, which can be filled out 24/7 and takes roughly three minutes in total, you will receive an instant decision. If approved, your money will be credited to your account the very same day, usually within the hour.



Representative example
Total amount of credit: £700
Duration of the agreement: 6 months
Repayment total: £1,179.05
Interest is Fixed at rate of 185.39% per year | Representative 611.74% APR
£168.45
Installment 1
£224.60
Installments 2 ‐ 6
£112.20
Installment 7