Loans in Birmingham

Living in Birmingham and need a payday loan? Apply for a Cashfloat online loan, and get funded within one hour of approval*. Loans of £300 to £1,500 with high approval rates.
Apply now
Representative example: Borrow £700 for 6 months. 1st monthly repayment of £168.45, 4 monthly repayments of £224.60, last monthly repayment of £112.20. Total repayment £1,179.05. Interest rate p.a. (fixed) 185.39%. Representative APR 611.74%. Our loans are available for 3 to 9 months depending on the loan amount - rates between 295.58% APR and a maximum APR of 1294%.
Warning: Late repayments can cause you serious money problems. For help, go to

Do you need to borrow a short term loan to help fund an emergency expense or pay an unexpected bill? We’re a premium direct lender offering payday loans in Birmingham with no added fees and no hidden charges. Apply online today, even if you’ve got a bad credit score.

5,200 Birmingham citizens
applied for payday loans
from Cashfloat
in 2020

Whatever you need money for, Cashfloat can get it to you fast. As soon as you’ve completed the loan application, you’ll receive an instant decision, and the money can be in your account within one hour* of approval.

Friendly customer service team – available to assist via phone, chat or email
Make early repayments at no extra expense, and save on interest fees
All credit ratings accepted – just pass the Cashfloat affordability test
Apply now

Online payday loans in Birmingham

The easiest and fastest way to get a payday loan in Birmingham is to apply online. Online loans are paperwork free, and the application goes straight to the lender, meaning they can process it and get the funds out faster. There also just as secure as in-shop loans. Often, they’re cheaper as well.

Cashfloat offer online payday loans to all applicants from Birmingham and throughout the UK. When you apply for a loan with Cashfloat, you’re in the best hands.

With Cashfloat, you get:

Loans of £300 to £1,500

Cashfloat offer payday loan amounts that suit a whole range of short term financial emergencies.

Our loans can be taken in amounts of £300 to £1,500. If you need to pay for emergency car repairs, replace a broken appliance or have urgent repairs done to your house, our payday loans should have you covered. Make sure you know exactly how much you need, and then rest assured that Cashfloat have got your back.

Cashfloat payday loans are also completely transparent. There are no hidden fees or charges, and you know exactly how much a loan will cost you from the start.

Fast Funding

At Cashfloat, we understand how helpful it is to get fast funding when you’re stuck for cash.

That’s why we try to process loan applications and get the funds to people’s bank accounts as fast as possible. We’re a responsible lender, so we do have to carry out certain checks before we fund a loan. However, we aim to provide a loan approval decision within 30 minutes of an application being made. After that, we aim to get the funds to people’s bank accounts within an hour if they’re approved for a loan.

Flexible manageable repayments

At Cashfloat, you can repay your loan in between three and nine manageable monthly instalments, with the length of time you take a loan for depending on your own personal choice as well as the amount you borrow. You can look at your borrowing options on the Cashfloat loan calculator.

As well as having flexible repayment options at the outset, you can also repay your loan early if you want. We don’t charge any fees if you do this (unlike other lenders), and you’ll save money on interest payments.

Responsible, FCA authorised lending

When you apply for an online payday loan, it’s important to ensure that the company you are applying with is FCA approved and regulated.

Cashfloat are responsible, FCA authorised lenders. You can find us on the Financial Services Register. As FCA authorised lenders we follow procedures that protect our customer’s financial safety. You should never apply for a loan from a lender who isn’t FCA authorised. They could be a loan shark, and you could end up in serious financial trouble.

High approval rates

As responsible lenders, we have to carry out certain checks before we can approve a loan. We also can’t fund a loan if we believe it could harm someone financially. We do, however, offer high approval rates for our loans. When you apply for a loan with Cashfloat, you’ve got a much better chance of approval than with a lot of other lenders.

That includes people with bad credit scores. In fact, we’re specialist bad credit score lenders.

We understand that a person’s credit score doesn’t tell you everything. And, in fact, lots of people with a bad credit score can afford a payday loan. We do look at people’s credit scores, but we also look closely at their level of affordability when we assess a loan application. If you demonstrate you can afford a Cashfloat loan, despite having a bad credit score, there’s a good chance you’ll get funded.


Cashfloat are direct lenders, and we never pass your details on to any third parties without your permission. Your personal details are safe and secure with Cashfloat, and that’s one less thing to worry about!

Caution: Payday loans are expensive, and you should only ever use one in a financial emergency that can’t wait until you next get paid. You should never use a payday loan for a non-essential expense. For help with money problems, go to

Who is eligible for a Cashfloat loan?

To be eligible for a Cashfloat loan, you must:

  • Be at least 18 years of age
  • Have a UK bank account
  • Be a UK citizen
  • Have a steady source of income

If you meet the above criteria, you can apply for a Cashfloat loan today.

Can I get a payday loan with no credit check in Birmingham?

Some loan companies may advertise payday loans that come with no credit check. This might sound tempting, especially if you have a poor credit score. However, credit checks are an essential part of responsible lending. They’re performed to help lenders assess whether an applicant can afford a loan or not.

Lenders in Birmingham (or anywhere else) offering no credit check loans are acting irresponsibly. They may not even be authorised and regulated by the FCA, and taking a loan from one of them could damage your finances. You should never take a loan from one of these lenders.

59% of Birmingham citizens who borrow payday loans are Male

71% of Birmingham citizens who borrow payday loans are Single

Average age of Birmingham citizens who borrow payday loans is 36 years old

Most common job fields for Birmingham citizens who borrow payday loans are Healthcare, Sales and Warehouse

Most common month for Birmingham citizens to borrow payday loans is August

Birmingham citizens who borrow payday loans earn an average of £1,966 a month


Can I get a payday loan in Birmingham with bad credit?

Sure. You can apply with Cashfloat for a bad credit score loan in Birmingham and across the rest of the UK. We accept applications from people with all kinds of credit scores, and no guarantor or collateral is needed.

What payday loan companies are there in Birmingham?

If an online loan from Cashfloat doesn’t look like it’s what you’re after, there are other alternative online lenders. We offer some of the best rates, however, and you’ll be hard-pressed to find a lender who’s as fast, responsible and reliable as us.

If you prefer walking into a brick and mortar shop and applying for your loan, there are still lenders in Birmingham that operate out of loan shops. In the city centre, there are Everyday Loans and Welcome Finance. Further out, you’ll find National Cash Advance, another Everyday Loans and Payday Loans Solihull.

Our opinion: there’s no need to go into a payday loan shop. Apply online now and get the cash in your bank account within an hour* of approval.

What are some other ways to get quick cash in Birmingham?

Here are some other ways you can get quick cash in Birmingham:

  • The cheapest way of borrowing money is to borrow from family and friends. Before you do this, however, it’s important to draw up a contract to avoid any problems later on.
  • If you have a credit card, you can use that.
  • Using your bank overdraft. Beware: if you do not have an arranged overdraft limit, this can be more expensive than a payday loan.
  • There are still doorstep lenders that operate in Birmingham. They can be helpful to people who want to take a loan without having a bank account, but they’re generally a poor choice. It’s important to be wary of doorstep lenders because there are some out there that aren’t authorised and regulated by the FCA. Always check if a lender is on the FCA register before you take out a loan.
  • You can join a credit union. Click here to read about how credit unions work.

Can I get a loan over £1,500 from Cashfloat?

Cashfloat currently also offer an alternative loan type, for amounts between £1,000 and £2,500. You can read more about these loans here.

Warning: Late repayments can cause you serious money problems. For help, go to