Cashfloat’s Emergency Cash Loans

Some unexpected situations can leave you in need of extra money. We understand how stressful it can be and are here to bring you a solution: Cashfloat’s emergency loans! Our emergency cash loans are an easy and reliable solution for all your emergency cash needs.

Our emergency loans in the UK can help you pay for car repair, an unexpected medical expense or the repair of an essential household appliance. The Cashfloat lending team provides fast cash with a high level of transparency. We’ve helped over 100,000 people in the UK get the money they need immediately.

Apply for an emergency cash loan now from £300 to £1500. If approved, you can get the money transferred to your bank account within an hour*.

Get your emergency loan today!

What Are Emergency Loans?

Emergency loans online provide quick access to money when immediate or unexpected situations arise. At some point, most people will find themselves with multiple expenses without enough household income to cover them.

In these cases, emergency payday loans from a direct lender may be what you need. While these loans have no specific purpose, they can be used for various reasons. Borrowers generally need an emergency loan for immediate expenses, including the following:

  • Urgent car repair

    For most people, cars are their primary mode of transport. However, if your car has broken down unexpectedly, you may find that your regular income is not enough to cover the repair costs. Emergency cash loans can help you pay for car repairs.

  • Emergency home repairs

    If your home has a leaking roof or broken household appliance, they can leave you and your family vulnerable to the elements or cause further property damage. Applying for an online emergency loan can help you fix those problems as soon as possible.

  • Debts

    It is hard to pay for outstanding debts, especially if you have no stable source of income. Emergency loans for the unemployed in the UK may be beneficial for these situations. You may use these loans to pay off mortgages or other pressing debts. However, at Cashfloat, we do not recommend taking out emergency loans online to help with a long term debt problem. Taking out a payday loan and entering a consumer credit agreement is a serious matter. If you are falling behind with your mortgage payments, go to for help.

  • Emergency travels

    Emergency travels are usually for family emergencies and unexpected events. Since they can rarely be predicted, emergency money can provide you with enough funds to buy plane or train tickets and other travel-related expenses.

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


Emergency loans for bad credit

Do you need a loan, but you have bad credit? Our emergency payday loans for bad credit in the UK is quick and easy to apply for. We can help you access the money you need, no matter your credit score.

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 emergency loans and bad credit direct lenders in the UK.

Our hassle-free, emergency payday loans for poor to fair credit requires no middleman or extra fees. You can repay early in easy instalments that fit your budget.

Cashfloat accepts loan applications with bad credit reports and no guarantor. We understand that you might not be interested in co-signing with a guarantor or risking collateral with a secured loan.

We also provide payday loans now for all credit histories. At Cashfloat, we recognise that your bad credit score may not be an accurate representation of your creditworthiness.

That’s why we are happy to help you get the money you deserve if your finances can prove that you can afford the loan. We use affordability checks to assess this. Borrowing a loan with no credit score from us can help boost your credit score and build your credit file.

Although emergency payday loans for bad credit are available, it’s worth working to improve your credit rating in order to boost your credit options for the future.

Apply Now – bad credit accepted!

Are you eligible for an emergency loan with Cashfloat?

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 (salary, benefits, or pension)

If you meet all these qualifications, you can begin applying for your Cashfloat emergency loan. If you get stuck along the way, don’t hesitate to contact our customer support team at phone number: 020 3757 1933. Before we can approve your loan, you must also pass our credit and affordability assessments.

Use our loan affordability calculator to find out the interest rate and if you can realistically fit an emergency loan in your budget.

Do Cashfloat offer emergency loans with no credit check?

Cashfloat is authorised and regulated by the Financial Conduct Authority (FCA) and is a moral direct lender. We are listed on the Financial Services Register. FCA regulation does not allow lending without a responsible lending check, as this puts the customer’s financial safety at risk. Once we have received a loan application, we will conduct a soft credit search that has no impact on your credit file. We only carry out a hard credit check when we fund the loan.

Advantages of borrowing emergency loans from Cashfloat

There are numerous benefits of borrowing emergency loans from Cashfloat. Here are some of them:

  • We are a responsible and fully authorised direct lender, not a credit broker.

  • We offer manageable and flexible monthly payments plans.

  • Our convenient process lets you apply for an emergency loan from the comfort of your home with the click of a button.

  • When applying online, you can be sure that your details are kept private and confidential.

  • All our loan terms are entirely transparent and have no hidden fees.

  • There is no guarantor required.

  • You can get fast cash for emergency purposes. If your loan is approved during business hours, you will receive the funds in your bank account within an hour.

  • 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 are comfortable with the loan process and help you with any technical hitches. Contact them via email, live chat, or phone.

  • All our loans come with an Easy-Start feature. It allows you to reduce your first instalment while giving you an extra month to repay your loan at no additional cost.


What are emergency hardship loans?

If your Universal Credit payments have stopped because of a sanction or penalty, you may be eligible to get some emergency money which can help you cover day to day expenses like food and bills. This payment is called a “hardship payment”.

As soon as the sanction ends, you’ll usually have to pay back the loan. Generally, the Jobcentre will take payments from your Universal Credit payment until you have finished paying the loan.

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

If you are applying with Cashfloat for some emergency cash, you will receive the money in your bank account within 1 hour* of being approved. To expedite your approval, you may want to use our chat feature on the website or give us a call on 020 3757 1933. Do you need emergency money now and have bad credit? Don’t worry. We fund customers with all credit scores!

Can I get a Cashfloat emergency loan on benefits?

At Cashfloat, you can apply for a loan if you are unemployed, as long as you have a steady source of income. Being on benefits is considered a steady income. However, if you are on a low income, make sure to look into cheaper options before taking out a direct lender loan. If it’s just a short term financial boost you need, you may be able to borrow from friends or relatives for free.

The government used to offer crisis loans for people on benefits who were stuck without money for essentials. These are no longer available, but if you have been on benefits for at least 6 months, you may be able to apply for a budgeting loan to cover a range of emergency expenses or essential household items. For more information go to

Are urgent loans for bad credit more expensive?

Requiring an urgent loan with bad credit will not make your loan more expensive if you apply with Cashfloat. At Cashfloat, we treat all our customers fairly. Whatever their credit score, the interest rates always stay the same. We will also not charge more for expediting your loan. For a fair and secure loan experience, apply now with Cashfloat!

Apply for emergency loans today

Get Cashfloat’s emergency cash loans today. Whether it is £300 or a £1,500 loan, you will have the money you need within the day once approved. We can give you a short term loan you need to repair your washing machine fast. Don’t worry about a credit check; at Cashfloat we welcome all types of credit scores, as long as you can afford the repayment term and conditions. So waste no time. Apply today!

How our emergency loans work

We understand that you need access to money for your urgent needs. That’s why we make the application process to get an emergency loan quick and easy for you.

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

Below is the representative apr and a sample repayment schedule. For more loan options and repayment terms, go to the first page of our application form. Remember: taking out a loan that you can’t afford can cause serious financial issues. 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
Installment 1
Installments 2 — 5
Installment 6