Need cash fast? The Cashfloat lending team offers quick cash loans in the UK with a high level of transparency. We have incorporated some of the latest technology into our lending decision engines to get you the best money loan at top speed. One of the many advantages that Cashfloat has over other direct lenders is that we do not charge any extra fees for paying back your loan early. So, if you can repay your payday loan early, go for it, and you will save on interest.

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What are cash loans?

Cash loans in the UK are small sums of money you can borrow when you need extra income between paychecks. Cash loans online are usually unsecured, which means the loan isn’t taken out against an asset such as your house or car. As a result, cash loans typically work out to be more expensive than secured loans. Need emergency cash today? You can apply now for a cash loan from £300 and £1500, and if approved, get the money transferred to your account within the hour*.

How can I apply for an instant cash loan?

Applying for instant cash loans with Cashfloat is easy. All you need to do is go to our application form and fill in your details. This should take you no longer than a few minutes. Once you have submitted your application for an instant cash loan UK, you will receive an instant decision. If approved, you can get a cash loan funded into your bank account within an hour*. Have further questions about how our loans work? Click here for more information.

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I need a cash loan today, how much can I borrow?

You can borrow between £300 and £1500 on our same day loans UK. Even if you need cash today, we advise you to take the time to work out how much you will need before applying for a loan. You don’t want to be paying interest on funds that you don’t need, nor do you want to have to borrow money twice. You can see different loan amounts and their representative apr by filling in the first page of our apply form. Use that to calculate the loan amount you can afford. Remember, it’s a serious responsibility to take a loan from a direct lender, and you need to ensure you can afford the repayments.

Note: If you need to borrow a bigger amount, we also offer £2000 loans.

Eligibility for a cash loan

To be eligible for a cash loan, you must meet the following criteria:

  • Be a UK resident

  • Be over 18 years old

  • Have a regular source of income

  • Hold a UK bank account

Will having bad credit affect my loan application?

At Cashfloat, we believe that having bad credit should not hold you back from getting a loan when you really need it. As long as you can prove you will be able to meet the repayment requirements we will be happy to fund you the loan. Having a less than perfect credit score will not increase the price of your loan. Be assured, all customers are treated equally whatever their credit rating.

Advantages of borrowing cash loans online from Cashfloat

There are numerous advantages to getting a cash loan online as opposed to going instore for your cash loan. Here are a few:

  • Apply wherever you are – Get the money you need from the comfort of your home with the click of a button. Applying online for a loan has never been more convenient.

  • Get your cash fast – when you need money for an emergency, you don’t want to wait in traffic or in a line. You want it now. Once your loan is approved, money can be in your account within an hour*.

  • Your details are kept private – when applying for online cash loans with us, you can rest assured that your details are in safe hands, and are kept entirely confidential.

  • No hidden fees – There are no hidden fees when it comes to applying for a loan on our website. All our loan terms are entirely transparent, which is not always the case with a credit broker.

  • Authorised and regulated by the FCA(Financial Conduct Authority) – We are listed on the Financial Services Register, which means that we are bound by regulations for responsible payday lending. So relax, you’re in good hands.


Can I get cash loans with no credit check?

No. Being a responsible lender, Cashfloat will not approve a loan application without reviewing the credit file of the applicant and doing affordability assessments. We would love to provide cash loans to everyone who needs, but borrowing a loan you cannot afford can cause you serious money problems. We want to avoid this, so we ensure that anyone who receives a loan can afford repayments.

Since several popular brand names in payday lending such as Wonga, Provident Personal Credit Limited, and PiggyBank Loans have stopped lending due to complaints about unscrupulous lending, many people have lost their trust in payday loan companies. At Cashfloat however, we only started lending after the FCA restrictions and regulations were established, so our policies have been authorised and regulated from the get go, making us a trustworthy, responsible choice.

Why should I rather get a cash loan from a direct lender?

Cashfloat is a direct lender. Check carefully before applying with any company whether they are a direct lender or an authorised credit broker. A credit broker will sell your application to a direct lender,so it’s easier and faster to apply via a direct lender website. To find out who is a broker look at the small print in the footer or checking the FCA register under the reference number and registered trading name of the website.

Can I apply for Cashfloat’s cash advance loans if on benefits?

Yes, you can. Cashfloat is regulated by the Financial Conduct Authority, which means that we lend responsibly. As you have a steady source of income and pass our affordability test we can lend to you even if you are on benefits.


What can I use a quick cash loan for?

A quick cash loan in the UK can be used when you need emergency cash immediately, and it can’t wait until your next payday. Some examples of emergencies are:

At Cashfloat, we do not recommend taking quick cash online to pay for day to day expenses, holidays, gift shopping and the like. If you don’t think you can afford the loan repayments, we advise you not to apply.

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
Installment 1
Installments 2 — 5
Installment 6