The Best Loans

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Has your water pipe burst, tire gone flat, or washing machine broken? Emergencies happen when we least expect them, and you probably don’t have the cash handy for repairs. If you need to borrow credit quickly to cover an emergency expense, you’ll still want to find the best loan for your needs.


Cashfloat is a trusted payday lender offering some of the best loans in the UK, designed to meet your unique needs. The best loans available are the safest loans, and we encourage you to do proper research on potential lenders. Making a point to compare loans is a great way to ensure that you get good loans from a safe and reliable lender.

How do I get the Best Loan Rates?

Once your application is approved, the interest rate on your loan will be based off of several factors:

  • Your credit score
  • The representative APR
  • Any promotions or discounts
  • Cashfloat’s Easy Start Option

If you want to get the best loan rates in the UK, a good credit score will be a big help. Your credit rating is one way for lenders to measure your creditworthiness, and a higher score indicates a history of making repayments on time. This is a big plus on your application, and means you’ll have access to some of the best loan interest rates out there.


Don’t panic if your credit score isn’t up to scratch! At Cashfloat, we take your larger financial picture into account and focus on affordability over your credit rating. We accept applicants with all types of credit scores, so don’t hesitate to apply.

The representative APR that lenders display on their website is the rate that they give to more than half of their customers. Therefore, it gives you a good picture of their rates in general and helps you compare interest rates.


If the lender is offering any discounts on interest, this will impact the rate you get on your loan. These discounts might be a promotional offer for first-time customers or a thank you to repeat customers.


Finally, if you choose Cashfloat as your lender, you can apply with our new Easy Start option. This feature gives you 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!



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Why Choose Cashfloat?

Borrowing short term credit is an expensive option, but it may be necessary in an emergency. The best payday loans will help cover your urgent expense and give you an affordable and flexible repayment plan that you can work into your budget.

Cashfloat is one of the best payday loans direct lenders on the market with an outstanding team of dedicated customer service representatives. If you need help at any point in the loan process, you can easily reach us via phone, email, post, or online chat.


All of Cashfloat’s loans are unsecured loans, so you will never need to risk your house, car or valuables or find a guarantor to apply with us.

When you need a loan for an urgent expense, time is of the essence. Cashfloat offers online payday loans with a quick application, instant lending decision, and if approved, funding within the hour.

Cashfloat is an award-winning direct lender in the UK with some of the best rated payday loans on the market. Look at what our customers have to say about us:


“Amazingly efficient and very easy process, no hassle which is what you want when already in a stressful situation, would well recommend to anyone looking for a fast easy loan to get them out of a pickle!” Anonymous


Read more reviews here




Compare Loan Companies

When you need to borrow credit, it’s recommended to compare loan companies to find the loan provider that meets your needs. There are a couple of key ways to determine whether you are applying for a loan with the best loan company in the UK, here are a few:

APR – The annual percentage rate gives you a clear picture of how much interest a lender charges. APR is the first thing to compare when looking for the cheapest and most affordable loan option.

Safety of the lender – You want to apply to a lender that you can trust. You can check whether a lender is authorised and regulated by the Financial Conduct Authority by looking on the FCA register.

Repayment terms – You may want to compare the lender’s flexibility when it comes to repaying your loan, i.e. can you repay early and save on interest.

No hidden fees – When comparing your loan options, make sure there are no hidden fees, and that the lender’s terms are entirely transparent. You don’t want unpleasant surprises later on.

You can also use a loan calculator when comparing loan providers.

Click here for our payday loan comparison guide.


What are the best loans for bad credit?

The best short term loans for bad credit are loans from safe lenders that can provide you with a lower interest rate and flexible repayment terms. This will make repaying your loan on time easier, thereby helping you improve your credit rating. Boosting your score can help you access the best APR loans anytime you need to borrow credit.


However, don’t get fooled by lenders offering “the best payday loans in the UK with no credit check” or “100% approval.” These lenders are very often loan sharks who can ruin you financially. Cashfloat is a safe FCA authorised lender, and we are fully GDPR compliant. So, if you are looking for payday loans for bad credit in the UK with high approval rates, you can click here to apply, and join over 100,000 happy customers.


Am I eligible for the best short term loans?

At Cashfloat, we offer some of the best short term loans in the UK. If you want to apply with us, you must meet the following criteria:

  • Over 18 years old
  • A UK resident
  • Hold a UK bank account
  • Have a steady source of income

At Cashfloat, we strive to help you get excellent short term loans, even with poor credit. As an ethical lender, we always carry out several credit and affordability checks before approving any applicant.

Apply today with Cashfloat to experience the best loans in the UK!


Cashfloat Loans

Cashfloat is a trusted FCA authorised lender in the UK offering fast and flexible payday loans between £500 and £1000 over 3-6 months (7 with Easy-Start option). We’re a leading direct lender, so each of our loans is processed, approved, funded and managed in house by our outstanding team. We’re easy to reach and are available to assist you with any questions or difficulties you may encounter at any point in the loan process. Cashfloat is here to help even if you have poor credit, and we accept applicants with all types of credit scores. If we can’t help you ourselves, we are also a broker, and we will help you find another lender who can better meet your needs. Apply today to experience the Cashfloat difference.


Representative example
Total amount of credit: £900
Duration of the agreement: 7 months
Repayment total: £1,565.99
Interest is Fixed at rate of 198.72% per year | Representative 529.09% APR
£187.92
Installment 1
£250.56
Installments 2 — 6
£125.27
Installment 7