Loans in Northern Ireland

Are you from Northern Ireland, and you’re looking for a payday loan? Apply for an online loan from Cashfloat from the comfort of your home, and get funded within one hour of approval*.
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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

Cashfloat, your premium direct lender offers online loans to people living in Northern Ireland. Apply for £300 up to £1,500, and get the money in your bank account today.

8,500 Northern Irish people
applied for payday loans
from Cashfloat
in 2020

No more wondering how you’ll get hold of that money you desperately need. Cashfloat can fund you wherever you are in the UK, including if you’re in Northern Ireland. Whatever your emergency, we want to help you! We approve applicants with all credit scores, so don’t worry about your bad credit history holding you back.

Application accessible 24/7
Bad credit scores welcome
Repay early with no extra fees
Apply now

Fast funding payday loans in Northern Ireland

At Cashfloat, we understand that when people are facing a financial emergency, what they often need the most is just fast access to cash. Waiting around to hear if a loan application has been approved or not can be frustrating. Having to wait even longer for the funds to be delivered to your account can add to the frustration as well.

That’s why we give loan approval decisions as fast as we can and get payments to people as quickly as possible as well. We’re a responsible lender, so we do have to carry out all the necessary checks when we process an application. However, we process applications at lightning speed and we get the funds to people’s accounts at warp speed! We aim to process all applications within 30 minutes of receiving them. We then aim to deliver the funds to an applicant’s bank account within an hour if they’re approved for a loan*.

How much can I borrow?

With Cashfloat, you can take a payday loan in Northern Ireland for between £300 and £1,500. The period of time over which you’ll repay this loan is between three and nine months.

If you’d like to explore your borrowing options in more depth, you can head over to the Cashfloat loan calculator. On the Cashfloat loan calculator, you’ll be able to see the APR, total interest charges and total amount you’ll have to repay for different loan amounts and repayment periods. As well as this, you’ll also get a breakdown of standard monthly repayment plans.

If you’re not sure you can afford a loan, you can also use the Cashfloat loan affordability calculator to help you decide if you can or not.

Please note that all Cashfloat loans come with transparent terms. There are no hidden fees when you apply for a loan with us.

Who is eligible?

To apply for a Cashfloat loan, you must:

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

These criteria apply in Northern Ireland and across the rest of the UK. If you meet these criteria, you can apply here. Applications usually only take three minutes.

When should I take a payday loan?

Payday loans should only be used for short term financial emergencies that can’t wait until you next get paid. You should never take out a payday loan unless you have to, and you should always make sure you can pay one back before you take it out.

Some situations where people might use a payday loan are:

  • To pay for emergency car repairs
  • To pay an unexpected, urgent bill
  • To replace a broken appliance
  • To pay for emergency, essential travel expenses

Repay in flexible monthly instalments

At Cashfloat, we try to make things as easy as possible when it comes to repaying your loan. First of all, we offer flexible borrowing options at the outset. You can take out a Cashfloat loan for variable periods of time. The exact amount of time depends on your own personal choice but is also influenced by the amount of money that you borrow. Check out the Cashfloat loan calculator to see what your choices are.

If you borrow money over a shorter period of time, you’ll pay less overall, but you’ll have to pay more for each monthly instalment. If you borrow money for a longer period of time, it’ll cost you more overall, but your monthly instalments will be easier to manage.

Repay your loan early to save money

At Cashfloat, we also encourage our customers to repay their loans early if they can.

Unlike other lenders, we don’t charge fees to people if they repay their loan early. You’re welcome to make partial payments or to completely close an account earlier than originally planned. Not only will there be no fees for this, but since you’re only charged interest when your loan is active, you’ll save money on interest charges as well.

Cashfloat Easy Start

We also offer the Cashfloat Easy Start feature. With Cashfloat Easy Start, we reduce the amount you pay on your first monthly instalment to make things easier. This is the time when loan recipients are most likely to struggle to make a payment, and so we reduce this one to make things easier. We then add an extra monthly payment on at the end of the loan. Overall, your monthly repayment instalments will be kept at even more manageable amounts.

All credit scores considered

Getting a payday loan can be difficult sometimes if you’ve got a bad credit score. However, you need not worry with Cashfloat. Cashfloat are specialist bad credit score payday loan lenders operating in Northern Ireland and the rest of the UK. We believe that people with bad credit scores should be able to get access to emergency funds as long as they can pay them back. That’s why we try to approve people with bad credit scores as well as people with good credit scores.

We’re a responsible lender, so we always carry out a credit check on our loan applicants. As such, we will look at your credit score and take it into account when we assess your application. However, we’ll look at more than that. We’ll look closely at your level of affordability when you apply for a loan. If you can prove that you can afford to repay a loan despite having a bad credit score, then there’s a good chance we’ll approve your application.

Can I get a loan with no credit check?

You should never take a loan from a lender that offers one without a credit check. As we just said, at Cashfloat we always carry out a credit check on our loan applicants. This is a Financial Conduct Authority (FCA) requirement, and every responsible, FCA authorised lender should carry out a credit check on every loan applicant. If you’re offered a payday loan with no credit check, the lender could be a loan shark and they could be dangerous.

How do I know if a lender is safe?

If you are looking to get a loan from a private lender in Northern Ireland, be sure that they’re authorised and regulated by the FCA. Cashfloat are authorised and regulated under license number 714479. You can find us in the Financial Services Register.

It’s also a good idea to check whether the website you’re using is legitimate. Here are some basic questions to ask:

  • Do they display an address and can you verify they operate from this address?
  • Do they answer the phone, and are they polite, helpful and professional?
  • Is there a secure padlock symbol in the address bar?
  • Does the website look professional and well presented?

Cashfloat is a direct lender

Cashfloat are direct lenders. When you go to a direct lender, they assess your payday loan application themselves. If they approve it and want to lend you money, they then send you the funds directly. You enter into an agreement with them directly and make repayments straight to them as well. If you go to a credit broker, they will send your application to other lenders and try to find you one that will give you a loan.

As direct lenders, we offer a number of benefits to our customers. With a direct lender you get:

  • A faster lending decision and faster funding
  • Cheaper costs – no credit broker’s fee
  • Security for your personal details – they’re not shared around
  • Direct communication with your lender

The Cashfloat customer support team

If you borrow directly from Cashfloat, you’ll get access to our fantastic customer support team. If you need help during the application process, you can contact the team via telephone, email or live chat, and they’ll clear things up for you. If your application is delayed, they can help as well.

Plus, they’ll try to help you if you’re struggling to keep up with repayments after you take out a loan. If you find this is the case, you can contact our team, and they’ll try to help you out. They may even be able to renegotiate your payment plan with you so that your monthly payments are more manageable.

65% of Northern Irish people who borrow payday loans are Male

73% of Northern Irish people who borrow payday loans are Single

Average age of Northern Irish people who borrow payday loans is 34 years old

Most common job fields for Northern Irish people who borrow payday loans are Healthcare, Sales and Customer service

Most common month for Northern Irish people to borrow payday loans is January

Northern Irish people who borrow payday loans earn an average of £1,759 a month


Are there any alternative credit options in Northern Ireland?

Payday loans aren’t the only option for people in Northern Ireland if they want to borrow money.

Another way people can get hold of emergency money is through credit unions, and this could be one alternative option. Other options are credit cards, bank overdrafts and borrowing from family or friends. It’s worth looking at the alternatives, although people sometimes find there are problems with them and stick to payday loans instead. They may be difficult to arrange, for example, the funds may be slow to arrive or they might mean lengthy repayment periods.

Are doorstep loans legal in Northern Ireland?

Doorstep lending is legal in Northern Ireland, provided that the lender is regulated and has all the necessary authorisations. Using a doorstep lender may be helpful if you do not have a bank account. However, they may be more expensive than a direct online lender. Before choosing what works for you, educate yourself about your repayment responsibilities.

How fast can I get an emergency loan in Northern Ireland?

In Northern Ireland, you can get a Cashfloat loan for a short term financial emergency as fast as anyone else in the UK. At Cashfloat, the application process is quick, easy and stress free. Once you’ve submitted your application, you’ll also get a fast approval decision. You’ll also get the loan funded to your bank account within an hour of approval*.

What if I can’t pay back a loan?

If you find yourself struggling to make payments towards your loan, you should contact us immediately. We understand that, despite their best intentions, sometimes things happen that make it difficult for people to make repayments. If this is the case with you, we’ll try to help. We may even be able to renegotiate your payment plan so your monthly payments are more manageable for you.

Do I need a guarantor or security?

All Cashfloat loans are provided without any need for a guarantor or security. A guarantor is a person who co-signs for your loan and is committed to making payments for you if you’re unable to repay it. Security is an asset that you provide as collateral, in case you’re unable to repay your loan. If you fail to repay a secured loan, the lender will be able to take hold of the asset you used to secure the loan.

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