Get your Direct Lender Loan from Cashfloat

Fast. Easy. Direct.

Looking for loans direct? Apply online for Cashfloat’s direct lender payday loans, authorised by the Financial Conduct Authority. With us, you can get up to £1500 deposited into your bank account within 1 hour if approved. We specialise in direct lender loans for bad credit and will never ask for a guarantor. Try Cashfloat’s easy loan application today for a payday loan from a popular direct lender!

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Miss Mary E
Verified Buyer

Very good loan company! Quick transaction. Thank you 🙂

Verified Buyer

They’re a direct lender, accessible by live chat and don’t charge the earth. They’ve helped me out in a time of need and although companies in this sector generally get a poor press, they have a role to play if used sensibly and responsibly. Top marks and thank you.

Mr John H
Verified Buyer

Used Cashfloat several times…polite & efficient staff, no problems and 1st class service

Verified Buyer

It did exactly What it said on the tin – quick easy direct – no hidden processes or issues – authorised quickly and paid even quicker – professional service.

How our direct lender loans work:

  1. Choose how much you need from £300 up to £1500.
  2. Get a lending decision within 90 seconds.
  3. If approved, the money will be sent directly to your bank account.
  4. Make monthly flexible repayments directly to Cashfloat.
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What type of loan do I need?

How can I know which lender to trust?

Obviously, you can have it all! If you want a really fast payday loan, you may need to pay more for the extra service. But the most balanced option is probably an affordable loan from a responsible direct lender. But who are these direct lenders, and how can you tell when you’ve found one? The answer is not so simple; there are many pale imitations in the UK marketplace. Many direct lenders claim to be something they are not, and even worse, many brokers try to appear as direct lenders. Still, there are a few simple steps you can take to ensure you are working with an adequate lender.

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How fast will I get the money?

How much will my loan cost me?

Safe loans from a direct lender

Once you’ve confirmed that the firm is authorised, there are three steps you should take:

  1. CLEAR INFORMATION – The first thing you want to do is look at the lender’s website. Ensure that the website clearly states if they’re a direct lender or a broker. If you find this information only in the small print, stay well away from this loan provider. As well, check if you can find the company’s policies on the website, such as a fair advertisement policy, responsible lending policy, adequate explanation and complaint procedure etc. The best lenders will not hide this information from you. Check that you understand the total cost of borrowing for the different loan types and that they have a valid address and phone number in the UK. You can even give them a call, just to see if someone actually answers the phone.

  2. CHECK THEIR RECORD – Last but not least, always check if the lender has a good record of treating customers fairly. You can see some cases on the FCA website or in your local newspapers. At Cashfloat, we try to do things right from day one. Many established lenders in the UK have been forced to pay clients millions of pounds back. Google for reviews, and always ensure you will be getting a straight and transparent service. When applying online, make sure that you have clear information, that the website looks professional, and you check the lender’s records to avoid being scammed.
FAQ’s about direct lender loans

Where can I find direct lender loans?

Search online for loans direct to find a loan through payday loans direct lenders rather than brokers. The advantages you’ll experience will include dealing with one company only, and a quicker as the direct lender gives loans without a third party in between. There are no hidden fees when you use direct loan lenders UK. The advantage of taking a direct lender over a broker is that you don’t need to pay any broker fees on top of the cost of the payday loans. At Cashfloat, we don’t even charge you to apply. Apply now for your direct lender loan.

Can I get instant payout loans from direct lenders?

There are instant decision loans from direct lenders which mean that you can have instant direct lender loans. From approval until funding may be only several hours. Cashfloat is a direct lender that processes your loan application quickly. Instant cash loans from direct lenders only mean that you’ll have the money you need in the time you need to spend it. Cashfloat looks at your loan application fairly and judges your affordability to determine whether you will be able to afford the repayment of your high acceptance payday loan.

Do I need a guarantor to apply?

With Cashfloat, we will never ask you for a guarantor. Taking online loans without using a guarantor can mean that you get your loan faster and more direct. Guarantors add an extra step in the process of getting payday loans UK, meaning that it might take longer for you to get the money to your bank account. That’s what makes no guarantor loans a fast and more direct option.

Keep in mind though, that no guarantor loans are a type of unsecured lending. This means that the lender is taking more of a risk in lending money to you. Usually, they will compensate for this greater risk by charging a higher interest rate. So, if you need the money really fast, no guarantor loans direct are a good short term loan solution. But, if you can spare the extra time involved in using a guarantor, you might get better interest rates than the standard payday loans.

Can I apply for a direct lender loan with bad credit?

When borrowing, your credit report is your little black book – it will contain all of the times you defaulted or went into arrears with payments. When applying for direct lender loans online, most lenders will check the record and refuse to lend to you if they feel that you are too high of a risk. Luckily, Cashfloat specialises in loans directly for bad credit. We don’t judge you by your credit score alone! If you pass all our other criteria, we could still lend to you! (However it is still worth working to improve your credit score as a higher credit score equals a lower interest rate on credit.)

What Are Loans Direct?
Loans direct are short term loans from a direct lender. No broker involved.

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