Warning: Are you a part time worker who needs cash in an emergency? Payday loans are an expensive form of credit and should be your last resort. For help with debt, go to Moneyhelper.org.uk.

Payday Loans for Part Time Workers

More part time workers are applying for payday loans to help pay for unexpected bills. Find out how many part time workers apply and why this might be!
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%. All our loans are available for a duration of 3 to 9 months.
Warning: Late repayments can cause you serious money problems. For help, go to moneyhelper.org.uk.

Are you a part-time worker and short of cash? Cashfloat offer payday loans for part-time workers up to £1500 regardless of their credit score. Apply now and get the money funded into your bank account within 1 hour, if approved! Join hundreds of part-time workers that the Cashfloat Team have already helped in their time of need.

19,830 Part-Time Workers
applied for
Payday Loans
from Cashfloat in the past year.

Whether you need to borrow money for urgent home maintenance or to help you pay your rent, Cashfloat can get you the cash you need fast. All you need to do is apply here, and you’ll get an instant decision.

Bad credit accepted if you pass our affordability test
Repay early for free and save money
100% online application, accessible 24/7
Apply now for a payday loan

Working irregular and part-time hours is common, especially if you’re a parent, a student at university or in a position where your hours fluctuate every week. Unfortunately, most lenders may see part-time workers as more of a risk because they don’t have consistent work or because of their lower income and are therefore less confident that you will manage to make the loan repayments.

However, if you are in part-time employment, don’t worry! Cashfloats direct lender payday loans are designed to help part-time workers when they need an extra cash injection.

Am I considered a part-time worker?

There’s no real definition of a part-time employee. But generally speaking, a part-time worker is someone who works less than 35 hours a week. This could refer to someone who works either 10 hours per week or even 34 hours a week and still be considered a part-time employee.

Part-time employees typically work on contracts and bill their employers by the hour. They also might not be able to take advantage of benefits that full-time employees enjoy — such as private health insurance.

Why do part-time workers struggle to borrow money?

The issue with part-time workers borrowing money online is mainly to do with generating enough income to afford the loan repayments. So obviously, the more hours you work a week, the more favourably a payday lender will view your application.

How to get approved for a payday loan as a part-time worker

Many people wonder, “Can i get a loan if i work part-time?”. The answer is yes! But you must meet the eligibility criteria below before applying for a loan.

  • Be 18 years +
  • Be living in the UK
  • Have a steady source of income (this may include benefits and pension)
  • Hold a valid UK bank account

Cashfloat payday loans for part-time workers

Apart from meeting our eligibility criteria above, you must be able to afford the loan repayments. You can check this by using our loan assessments affordability calculator. It considers your net salary and monthly expenses against the number of dependents you have. The disposable income you have leftover is then used to measure whether you can afford the monthly repayments on loan.

As an FCA authorised lender, Cashfloat will only approve applicants who can afford the loan. Borrowing money that you can’t afford can cause you serious money problems and have an adverse effect on your credit score.

Payday loans for part-time workers are intended to help people out of difficult situations. They should not create more stress and hardship out of exorbitant, unpayable interest rates and fees.

47% of part-time workers who borrow payday loans are: Male
73% of part-time workers who borrow payday loans are: Single
Average age for part-time workers who borrow a payday loan is: 27 years old
Most common month for part-time workers to borrow a payday loan is: December
Top 3 cities where part-time workers borrow payday loans: London, Birmingham and Oxford
Part-time workers who borrow payday loans earn an average of: £830 a month
FAQ’s

What happens once you’re approved for a loan?

Once you have been approved for a payday loan and have signed the consumer credit agreement, the money will be funded into your bank account within 1 hour. Every month you will make monthly repayments via continuous payment authority. Our plans are flexible, so you can always pay early using our login area if you want and save money.

Can I get a loans for shift workers if I have bad credit?

A bad credit score makes finding a loan for shift workers difficult. But not with Cashfloat. Whether you have an excellent or poor credit history, you’re welcome to apply for a part-time loan, and there’s a good chance you’ll be approved if you have enough disposable income to make the monthly repayments. Be aware that if you have a poor credit history, the interest rates you are offered will be higher, so try to improve your credit rating before applying for a loan with poor credit.

Who will provide my payday loan?

Cashfloat is a premium direct lender in the UK. That means that you’ll be borrowing directly from us. Because there’s no credit broker involved, you’ll be able to enjoy a cheaper interest rates than you may find with other payday lenders for part-time worker.