Do you need money right now?

If you need money fast, you can apply now for a quick payday loan from Cashfloat – your trusted UK direct lender – and get £300 to £1,500 today! Our quick loans are designed to help people get fast funding for all sorts of financial emergencies. All you need to do is fill out our simple online application form, and you’ll get an instant decision! If you’re approved, we aim to get the funds to your account within an hour.

Quick application. Fast payout. No guarantor required.

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What is a quick loan?

A quick loan from Cashfloat is an unsecured loan that comes with an instant approval decision and fast payout. Our quick loans are perfect for people in the UK who need money fast.

Sometimes people need to be able to borrow money quickly to deal with financial emergencies that need to be solved quickly. Whether your car’s broken down and you need it fixed straight away or something else has happened, an instant loan could be just what you need.

Fast credit can get people out of difficult situations, and there isn’t any reason why people shouldn’t be able to find a reputable lender who can fund a loan fast. With Cashfloat, you can apply for an online loan in a matter of minutes and get an instant approval decision. If you’re approved, we aim to get the money to you within an hour of approval.

As long as you meet our borrowing conditions, Cashfloat – your reliable quick loan lender – will get you the money you need as fast as possible.

Please note: Our fast credit should only be used for financial emergencies, and it should never be used to provide a quick fix for a serious, long-term debt problem. If you’re struggling financially, contact stepchange for free debt advice.

What can I use a quick loan for?

Even if you stick to your monthly budget, unexpected things can happen. Sometimes, expenses crop up at difficult times or unusually large expenses arise. Sometimes, when this happens, you need a trustworthy lender that can give you a fast online loan. Cashfloat’s fast loans are available 24/7 for people in the UK to help them cover unexpected bills or emergency expenses like when:

If you think you’d like to take out a loan, you can have a look at your borrowing options on our loan calculator. We’re fully transparent with our loans. You’ll know exactly how much you’ll need to pay back each month and what the total amount is that you’ll repay. We also don’t have any hidden fees, and you can repay the loan early to save on interest payments.

What our customers say

You’ve probably heard lots of lenders claiming they provide fast funding, instant decisions and fast payouts before, so we won’t tell you to just take our word for it.

Instead of that, read what some of our customers have said about our loan service here:

Verified Buyer –

Easy to apply and a quick decision and payout. I was kept well informed throughout the application process. Everything is laid out clearly and easy to understand

Verified Buyer –

Quick and simple application process. Funds in my bank account fast. Very clear about interest and amount to pay back each month. Paid loan back early and only paid interest on time I actually had the loan. Would use again.

Verified Buyer –

I think your company is amazing you are so quick and efficient and you are the most helpful company I have ever used, you take in consideration the individual not just their credit score. If only there were more companies like in this world a lot of people would be so much better off. Thank you for your unbelievable help.

Karen E
Verified Buyer –

Excellent customer service, so so quick. Don’t worry about putting down your employment details as it just for verifications. Such a fast service this is my second loan, my first i paid back early without any bother at all. Loan was today.

Can I apply for a quick loan with a bad credit score?

Yes! With Cashfloat, you can apply for a quick loan if you’ve got a bad credit score or no credit history.

We do perform credit and affordability checks on all our payday loan applicants to protect their financial safety. However, we look closely at people’s level of affordability when assessing their suitability for a loan. The important thing is that you can demonstrate that you can afford repayments and that it’s safe for us to lend you money. If you can do that, you have a good chance of getting accepted for one of our fast online loans.

Am I eligible to apply for a quick loan online?

To apply for a quick loan online with Cashfloat, you must meet the following criteria:

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

How quickly will I get my loan?

We are, however, responsible, Financial Conduct Authority (FCA) regulated lenders. As such, we need to run creditworthiness and affordability assessments on all applicants before we can approve a loan. These ensure that people who borrow money can afford to pay it back. We can’t just provide instant money the minute people apply because that would be irresponsible, but we do aim to get a loan to you within 90 minutes of applying.

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Is Cashfloat a trustworthy quick loans direct lender?

As well as abiding by the FCA’s rules on creditworthiness checks, as we mentioned above, we also meet other FCA requirements. We keep our customer’s information safe and secure, and we’re fully GDPR compliant. We also adhere to the FCA’s guidelines that have been put in place to protect borrowers from unfair lending practices.

For more information about Cashfloat and how we work, click here.


FAQs about our quick Loans UK

I need a loan ASAP, can Cashfloat help?

Yes, you’ve come to the right place! If you need money ASAP to pay for a broken tooth, to repair your washing machine or to get your electricity back on, you can apply for £300 to £1,500 from Cashfloat.

Our payday loan application form can be accessed 24/7, and we aim to offer an approval decision within 30 minutes during normal working hours. If you’re approved, we aim to get the funds into your account within an hour. Even if you submit your application on a weekend or bank holiday, we’ll process it first thing the next working day. If for any reason we’re unable to finance you a loan ourselves, we can also act as a credit broker. In this case, we’ll try to find an alternative authorised and regulated lender for you, who can fund you a loan ASAP.

We’re committed to helping you access the financing you need without delay.

How much can I borrow with a quick loan?

With Cashfloat, you can get a quick loan online of any amount up to £1500. It is best to work out how much you will need before applying. You don’t want to be paying interest on unnecessary funds, nor do you want to have to be borrowing money twice. Remember, it is a serious responsibility to take a loan from a direct lender, and you need to ensure you can afford to make the monthly payments.

If I get a loan today, how long do I have to make repayments?

If you get a loan today, your repayment period will be anywhere between three months and nine months. The exact amount of time depends on the amount you’d like to borrow and your personal preference. When you fill out your application, you can choose the loan duration that best fits your needs.

Generally, you begin repaying your loan from the next payday. However, you can always repay your loan early at no extra charge and save on interest. Cashfloat also have an Easy Start feature, which reduces the amount on the first monthly instalment. The idea is to make repaying a loan easier over all. You can read about Easy Start here.

How quick and easy is it to get a loan from Cashfloat?

Cashfloat loans are quick, and they’re easy to get hold of. We’ve designed our application process to be as fast and hassle-free as possible. After you’ve applied, we work as fast as we can behind the scenes to give you an approval decision. If you’re approved, we also aim to get the funds to your account within one hour.

Can I get a quick loan without a credit check?

We don’t recommend that anyone applies for a loan that comes without the lender carrying out a credit check. Lenders that offer loans without a credit check are not responsible, and they don’t take people’s financial safety seriously.

Credit checks and affordability checks are an essential part of the lending process. Without these checks, the lender can’t know if the applicant will be able to afford to repay a loan. If someone takes out a loan they can’t afford to pay, this can cause them serious problems. At Cashfloat, we perform checks to make sure that providing you with a loan won’t harm you financially.

This doesn’t mean, however, that you need to have a good credit score to get a loan from Cashfloat. In fact, you can still get a loan even if you’ve got a bad credit score. We place more importance on someone’s level of affordability than their credit score. If you can prove that you can afford to repay a loan, we’ll be happy to fund you one.

Do Cashfloat’s quick loans have a low APR?

Borrowing money over the short term is always more expensive than over the longer term because of the way lending works. If lenders lend money for a short period of time, they collect interest for a short period of time as well and have to charge more as a result.

At Cashfloat, our instant loans do have a lower APR than many other UK lenders like us. Compare our prices against other payday lenders to see for yourself.

What should I think about before I apply for a fast loan?

If you’re looking for a fast loan, remember that it’s important not to end up making a decision you regret later on. Taking out a loan and entering a loan agreement is a big commitment that should be considered properly beforehand.

Even if you definitely do need a fast loan, you should compare lenders to get the best deal. Just applying to the first lender who will approve your application could leave you with a large debt to repay. Always make sure the lender you choose is trustworthy and that they provide a loan you can afford to repay.

Can I get a loan in minutes from Cashfloat?

Sometimes, when people need money fast, they look for a lender who can provide a payday loan in 10 or 15 minutes. At Cashfloat, our loans are super quick. We can’t do them in 10 or 15 minutes, however, because we’re a responsible lender. We’re slightly slower because we follow certain procedures. We can normally provide a loan decision within 30 minutes of application and get funding to applicants within an hour* of approval.

As a responsible and authorised lender, we carry out credit and affordability checks on all applicants. These checks do take a little bit of time to perform, but they’re essential for your financial safety. Lenders that provide 10 or 15 minute loans may not be conducting sufficient credit and affordability checks, and they might not be a safe option.

How our quick loans work

Need emergency money now? You can get an emergency loan from Cashfloat and receive the money the same day!

  • Fill out a 3-minute application form
  • Get an instant decision
  • Get the funds in your bank account within 1 hour*
  • Make flexible monthly repayments to Cashfloat

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
Instalment 1
Instalments 2 — 5
Instalment 6