Same Day Loans

Same day loans are available for you online right now! Application takes 3-5 minutes and you will get an instant decision. Our same day funding doesn’t cost you a penny more! We are a proud FCA authorised direct lender so don’t worry about applying with us, even if you have bad credit! Apply now with Cashfloat for up to £1,100.

Your Same Day Loan Information Card
  • You can get a same-day loan from £200 to £1100
  • Feel free to apply, even with a bad credit score
  • You can repay your same day payday loan in up to 4 instalments
How Much can I Borrow?
  • 3 minutes to complete the online application form
  • 90 seconds instant lending decision
  • 1 hour from approval, the money should be in your bank account

* Average numbers

How Fast Can I have the Money?
  • We are an FCA authorised same day loans direct lender.
  • We welcome people with bad-credit
  • Unsecured loans, no guarantor needed
Why Cashfloat?
FAQs about Same Day Loans Loans

Same Day Loans UK

If you have an emergency bill that you need to pay today, we want to help with our dynamic payday loans! We cannot always guarantee same day funding depending on the time of the application. However, if we approve your loan request, we will do our very best to release the funds the same day. If you’re a new customer, we offer loans of up to £500 pounds while existing customers can get same day loans of up to £1100. Please note that in the UK leading lenders like provide same day funding free of charge.

How Quickly Will I get my Same Day Loan?

The name “same day loan” is somewhat misleading. Although we reach a decision as to the applicant’s eligibility on the same day that he or she applies, same day loans are mostly paid within twenty four hours. Most typically, this is by 9am the next day. With Cashfloat, you can receive the loan in your bank account within 24 hours for no extra fee (if approved).

If I get a same day loan, does it mean my application was not checked properly?

Not at Cashfloat it doesn’t! We perform extensive credit and affordability assessments. With all the hurrah in the media about irresponsible payday lenders advertisement, we put a big focus on affordability and have developed a unique algorithm to try and help us identify over-reliance on our expensive loans. If our team think you can repay your loan and that it will not worsen your financial situation, we will save no efforts to get you the money fast. We never charge for same day funding. It is simply another benefit for people who obtain a loan from us.

What do I need to get a same day loan from Cashfloat?

Getting a responsible same day loan from us requires that you are in full-time employment and that you have an active bank account and a debit card linked to your salary bank account. You will also need to earn a minimum NET monthly income of £750. At the end of the day, we want to see that you have enough disposable cash at the end of the month, after repaying the loan. If you’re NET monthly income is below “our threshold” or if you are in temporary employment or in receipt of benefits, we may not be able to offer you a loan.

What are same day loans UK?

A same day loan UK usually means that you receive the loan payout on the same day that you apply for the unsecured loan. Cashfloat does offer same day loans, providing you apply during office hours. If you’re approved for a no guarantor payday loan, you can receive your payday loan within 3 hours of submitting your application. However, in some cases, this may be up to 24 hours as we may need to contact you to verify certain aspects of your application. Cashfloat is determined to give you your same day loan as quickly as possible.

Are same day loans for unemployed available?

Unsecured loans are available for unemployed people only if they can provide the lender with reason that they will be able to pay back the UK loan. Lenders scrutinise a person’s credit rating, history of employment and income to determine their risk factor of lending. Given that it will be possible for the borrower to repay the loan and they are approved, Cashfloat is delighted to supply them with a same-day loan for unemployed.

Do same day loans for bad credit exist?

A bad credit score is never a good thing. Its hard to get approved for a loan and even then the interest rate for the personal loan can be excruciating. A refused application and a high-interest rate may only result in an even worse credit score. However, not all lenders out-right reject people who have a bad credit score. Cashfloat cares about your financial future. As long as we feel it is possible for you to repay the loan, because of your current financial position, we may be able to offer you a payday loan. Once approved, Cashfloat makes no distinction between the loans and work hard to accommodate you with a same day loan; within three hours.

Where can I find quick and easy same day loans?

A same day loan usually means you want the loan almost immediately and Cashfloat are attuned to fulfilling this need. If we approve you, you should receive your fast payday loan within 24 hours of applying. During office hours, this may even be go down to up to 3 hours. The easiest way to get a loan is to apply online using the free online application. This allows you to efficiently enter your details for the quick loan. Then, our advanced artificial intelligence technology, designed to help and protect people, will process your easy same day loan application.

Same Day Payday Loans

When you apply for a same day payday loan with Cashfloat, we guarantee to get the money into your account the same day that you apply for a loan, once aproved. In fact, once you apply for a payday loan, you should receive a lending decision within half an hour. If we approve you for a short term loan UK, we will do our best to fund your loan within an hour. Our average funding time is 1 hour from application to approval. That is pretty fast!

No more waiting around for your money. With Cashfloat same day payday loans UK, we keep you in the loop at all times so you know whether and when you are going to get your money.

What are Same Day Loan Bank Requirements?

Following approval, we will fund your loan as soon as we can, usually within the hour. If you have a Barclays account, the money should reach you immediately. If you use a different bank, the money will reach you within 3 hours as long as your bank supports Faster Payments Services (FPS). If your bank does not support FPS, it can take up to 3 working days for the money to reach you.

What Should I do if I have not received my Cashfloat Same Day Loan?

Don’t panic! Here at Cashfloat, you can rely on us to get your short term loan to you as quickly as possible. In the unlikely event that you have not received the money after 3 hours of getting approved for a loan, give us a call so that we can help you. If you’re in a rush or don’t have time to pick up the phone, you can always drop us an email at

Cashfloat is dedicated to providing customers with reliable, dependable quick loans. But, we will never put speed at the expense of the required credit and affordability checks. When you apply for a Cashfloat loan, you can be sure that we will serve you with efficiency, but more importantly, with empathy. Since we are constantly looking for ways to be better for our customers, we would appreciate any comments, suggestions or constructive criticism. Feel free to send an email to We would love to hear from you!


We are a premium direct lender offering same day loans between £200 and £1,100 in the UK. We also aim to be the fastest! Apply now for an instant decision and, if approved, your loan will be funded same day. Leave us to deal with bad credit – all you need to worry about is whether you need the loan and if you can afford the repayments. Just because our loans are so convenient, they still require careful thought and consideration.

Written by: Kelly R
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