Cashfloat’s emergency cash loans

Sometimes unexpected expenses come up, and people just don’t have enough money to cover them. While most people keep money in reserve for these occasions, sometimes even the best laid plans don’t work. A bill might come at an awkward time, for example, or it might be much bigger than you expect. At Cashfloat, we understand how stressful it can be when you face a bill you can’t pay. We’re also here to bring you a solution – Cashfloat’s emergency loans!

Our emergency UK cash loans are an easy and reliable solution for your emergency cash needs.

You can use an emergency loan to help pay for car repairs, for an unexpected medical expense, for repairs to an essential household appliance or for any other financial emergency that can’t wait. The Cashfloat lending team provides fast cash loans with flexible repayment options. Plus we’re transparent from start to finish.

We’ve already helped over 100,000 people in the UK get the money they need with minimum hassle.

Apply for an emergency cash loan now and get £300 to £1,500. We’ll give you an instant approval decision, so you don’t waste time wondering if you’ll get the loan. If you’re approved, we’ll also normally get the money transferred to your bank account within an hour*.

Get your emergency loan today!

What is an emergency loan?

Emergency loans provide quick access to money when immediate, unexpected expenses arise. If you find yourself with a bill you just can’t pay right now, an urgent payday loan could be a solution. You need to make sure you can make the repayments. If you can, however, a loan from us could tide you over while you can’t make ends meet.

Emergency payday loans have no specific purpose in terms of how they’re spent. However, borrowers generally need emergency loans for immediate expenses like the following:

  • Urgent car repair

    For most people in the UK, cars are their primary mode of transport. If your car breaks down unexpectedly, it can be a real problem. You might not be able to get to work, for example, or you might live in a rural area with no alternative means of travel. It might also turn out that the money you’ve got right now isn’t enough to cover the repair costs. Maybe you’ll have it when your next payday comes but not right now. Emergency cash loans can help you pay for urgent car repairs in this situation.

  • Emergency home repairs

    If repairs are needed to your home, say for a leaking roof, a broken window or a burst pipe, you and your family could be vulnerable to the elements or further property damage until it’s fixed. Applying for an online emergency loan could help you fix problems like this as soon as possible.

  • Broken household appliances

    If your washing machine breaks down, your fridge stops working or another household appliance breaks in your home, you might find that you can’t live without it. If you find this is the case for you, then you might need some help to fund repairs. Cashfloat loans come with a high APR, like all short term borrowing options, but we can get you the funds to pay for expensive repairs.

  • Emergency travels

    This is when funds are needed to cover the cost of emergency travels, such as for a funeral, a family emergency or another similar unexpected event. Since emergency travel needs can rarely be predicted, emergency loans can be useful to help get people the funds they need to pay for plane or train tickets and other travel-related expenses.

  • Unexpected bills

    Sometimes people are hit by normal but unexpectedly large bills and living expenses, and they just need a bit of extra help to pay them off. Normal household expenses are just unusually high sometimes, and if a big payment comes at a time when you’re strapped for cash, you might need extra help to pay it. A Cashfloat loan could help. Just make sure you can’t find the funds elsewhere and that you can afford to repay the loan when the time comes.

Have peace of mind with your loan transferred to you within 1 hour* of approval. Allow yourself to focus on dealing with the emergency, knowing that the money is there for you.

Are you eligible for a Cashfloat emergency loan?

To be eligible for an emergency loan with Cashfloat, you need to meet the following criteria:

  • Be over 18 years old

  • Be a UK resident

  • Hold a UK bank account

  • Have a reliable source of income

If you meet all the above criteria, you can apply for a Cashfloat urgent loan. Our application process is simple, and it usually only takes three minutes to apply. If you get stuck along the way, don’t hesitate to contact our customer support team on 020 3757 1933.

After you apply, you’ll have to pass our credit and affordability checks before we can fund you a loan. However, these don’t take long. We aim to provide a decision on whether we can approve your loan within 30 minutes and funding within an hour if your application is approved.

Use our loan affordability calculator to find out if you can realistically fit an emergency payday loan in your budget.

Emergency loans for bad credit

Do you need a loan, but you have bad credit? Good news! Cashfloat accepts applications from people with bad credit scores. Our emergency payday loans for bad credit in the UK are quick and easy to apply for. We can help you access the money you need.

Bad credit emergency loans are unsecured loans for people with very poor credit scores. Despite this, you can still borrow money from some online lenders if you can prove that you have a good income. Cashfloat is one of the top bad credit direct lenders in the UK.

Like all responsible lenders in the UK, we do run credit checks on all our loan applicants. However, we look at more than just an applicant’s credit history. We also look closely at their level of affordability. In fact, we place more importance on someone’s level of affordability than on their credit history. If you can prove you can afford to repay a loan, there’s a good chance you’ll be accepted with Cashfloat.

As well as accepting loans from people with bad credit scores, we also don’t ask for a guarantor or for collateral from people who take out a loan with us.

As a direct lender, our emergency payday loans for poor to fair credit comes with no broker fees. We’re transparent with our pricing as well, and you can repay your loan in adjustable instalments that fit your budget. On top of this, you can repay your loan early if you want and save on interest payments.

We’ve also got our Easy Start feature, which reduces the amount on your first monthly instalment to make repaying a loan easier overall. Read about Easy Start here.

Apply Now – bad credit accepted!

Do Cashfloat offer emergency loans with no credit check?

Cashfloat is authorised and regulated by the Financial Conduct Authority (FCA), and we’re a responsible lender. You can find us listed on the Financial Services Register under permission licence 714479. FCA regulation does not allow lending without a responsible lending check because it puts a customer’s financial safety at risk.

When we receive a loan application, we first conduct a soft credit search that has no impact on an applicant’s credit file. We only conduct a hard credit check when we fund a loan.

You shouldn’t apply for a loan from any company that offers emergency payday loans with no credit check. Credit checks are an essential part of responsible lending. Lenders that give out loans without carrying out credit checks aren’t following the FCA guidance, and you should avoid them.

What advantages are there for borrowing emergency loans from Cashfloat?

There are numerous reasons to take an emergency loan from Cashfloat. Here are some of the main benefits that Cashfloat offer:

  • We’re a responsible, FCA authorised direct lender rather than a credit broker

  • You can get your loan fast from Cashfloat. If your loan is approved during business hours, you’ll receive the funds in your bank account within an hour

  • We offer loans to people with bad credit scores

  • We offer flexible payments plans and manageable monthly payments

  • All our loan terms are entirely transparent, and there are no hidden fees

  • The Cashfloat Easy Start feature allows you to reduce your first instalment and gives you an extra month to repay your loan at no additional cost

  • Our friendly customer service team is happy to answer your questions before, during or after your loan application. They will work with you to ensure you’re comfortable with the loan process and help you with any technical hitches. Contact us via email, live chat or phone.


I need emergency money now. How fast can I get it?

If you apply to Cashfloat for an emergency cash loan during normal office hours, you’ll receive an instant decision on your loan approval status. You’ll also get the money in your bank account within one hour* if you’re approved. If you apply outside of office hours, we’ll process your application first thing on the next working day.

In some cases, applications are delayed while we carry out approval checks. To speed up your application, you may want to use the chat feature on the website or give us a call on 020 3757 1933.

Are loans more expensive for people with bad credit scores?

If you take out a loan with Cashfloat and you’ve got a bad credit score, your loan won’t be more expensive than it is for people who have a higher credit score. At Cashfloat, we treat all our customers equally. All our customers receive the same interest rate whatever their credit score is. For a fair loan experience, apply now with Cashfloat!

Can I get a Cashfloat emergency loan if I’m on benefits?

At Cashfloat, we’ll accept your application as long as you have a steady source of income. If you’re on benefits, you can apply for a Cashfloat loan. However, benefits must only form part of your overall income. You must have another regular source of paid income alongside being on benefits in order to qualify for a Cashfloat loan.

If you’re on a low income, make sure to look into cheaper options before you take out a payday loan. If you just need a short term financial boost, you might be able to borrow from friends or relatives for free.

Apply for a Cashfloat emergency loan today

If you need emergency funds, you can get a Cashfloat emergency cash loan today. Whether it’s a £300 or a £1,500 loan, you’ll get the money you need within a day if you’re approved. If you need to repair your washing machine fast, for example, one of our short term loans could be just what you need.

Don’t worry too much about the credit check. At Cashfloat, we welcome people with all types of credit scores, as long as they can afford the repayment conditions. We’re also transparent, and we offer flexible repayment terms.

So waste no time. Apply today!

How our emergency loans work

We understand that sometimes people need fast, hassle free access to a loan in an emergency. That’s why we make our loan application process as quick and easy as possible.

  1. Choose how much you want to borrow and for how long
  2. Apply on our website
  3. Get an instant decision
  4. If your loan application is approved, we’ll transfer the money to your bank account the same day
  5. Make flexible monthly repayments online

Below is a representative example of a Cashfloat loan with a representative APR and a sample repayment schedule. To look at your possible loan amounts, repayment conditions and interest rates, go to our loan calculator.

Remember: taking out a loan you can’t afford to repay can cause you serious financial problems. Even in an emergency, stay responsible and only borrow the amount you need.

Representative example

Total amount of credit: £700
Duration of the agreement: 6 months
Repayment total: £1,179.05
Interest is fixed at a rate of 185.39% per year | Representative 611.74% APR
Instalment 1
Instalments 2 — 5
Instalment 6