Do you need money now?

If you need money fast, you can apply with Cashfloat – your trusted lender – and get up to £1,500 same day! Our quick loans can help with all sorts of emergencies. All you need to do is fill out our easy application form online, and you will get an instant decision!

High Acceptance. Fast Payout. No Guarantor.

What is an instant loan?

An instant loan is when you can apply online for a quick cash loan and receive the money ASAP.

With Cashfloat, once you fill out the 3-minute application form, you can get an instant decision and receive the cash the same day, if approved!

Although many people who apply for instant loans assume that they will receive their loan instantly, any trustworthy lender will need to perform the necessary checks. We at Cashfloat want to make a very clear statement that, as a responsible lender, we will always apply our comprehensive credit and affordability tests before approving each loan request.


‘Quick decision and payout’ – What our customers say

You probably hear lots of lenders claiming to provide ‘fast loans’ and ‘instant payout’, so we don’t want you to take our word for it. Instead, read what some of our customers have said about our loan service!

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 alot of people would be so much better off. Thank you for your unbelievable help.

Karen E
Verified Buyer –

Excellent service, so so quick. Dont 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

How fast can I get the money?

You can get express pay day loans from Cashfloat within an hour of being approved. Our online application form is designed to make it quick and easy to get a loan, and you will get an instant decision within 90 seconds of clicking the submit button. That’s express service! No?


3 minute application


90 second decision


1 hour from approval to payout


Flexible monthly repayments

Can I get a quick loan with bad credit?

Yes! Although we perform a credit check to check your credit history, we give more weight to your affordability, so even if you have terrible credit or no credit history, you still have a solid chance of getting accepted for a high acceptance loan if we can see you can afford to make the loan repayments.

Can I get an instant loan with no credit check?

Many brokers advertise ‘no credit check loans’, yet they are not always transparent. Although the service provider won’t do a credit check yet, the actual lender will. Most direct lenders that offer instant loans and are authorised and regulated by the Financial Conduct Authority, including Cashfloat, will use a credit check to discern how you manage your finances.

How much do you need?
Other amount
Ready for a quick loan from Cashfloat?
Repayment total

Repay over: 4 months, 1st monthly repayment of: £172.09, 2nd and 3rd monthly repayments of: £229.45, 4th monthly repayment of: £114.75.


Why Choose Cashfloat for your Quick Loan

Cashfloat offers instant decision payday loans between £400 and £1,500. Our fast payout service is ideal for anyone who needs quick cash. As a direct lender, we can offer anyone in the UK a quick loan online today with payout in 1 hour of approval! Furthermore, as an FCA authorised lender, we make our lending decisions based on the FCA’s criteria. This does not mean that you will not get accepted if you have bad credit! On the contrary, we specialise in poor credit loans, so feel comfortable to apply with us, no matter what your credit score! Apply now for your payday express loan and experience a whole new way to borrow money.

Apply now!

Some FAQs about our Express Loans

What can I use an express payday loan for?

Even if you stick to a monthly budget, unexpected expenses do happen. When they do, you need a trustworthy lender that can give you a loan ASAP. Cashfloat’s instant loans are available 24/7 to help you cover unexpected bills or emergency expenses, such as:

• If the boiler breaks
• Your car breaks down
• You have a medical emergency

Please note: Our short-term loans should never be borrowed to try and solve a long term debt problem.

Can I get a fast loan with no guarantor?

Yes. Cashfloat offers instant loans without a guarantor. In fact, not needing a guarantor means you can get the money quicker.

How much can I borrow?

With Cashfloat, you can get a quick cash loan for £500 up to £1500. It is best to work out how much you will need prior to applying. You don’t want to be paying interest on unnecessary funds, nor do you want to have to borrow twice. Remember, it is a serious responsibility to take out a short-term loan from a direct lender and you need to ensure you can afford to make the repayments.

Can I get a loan the same day?

We usually fund within an hour of approval so if you apply before 4pm and all goes smoothly, there is a good chance you can get the money the same day. Even on a Sunday.

Can I get a same day loan if I am on benefits and/or I am unemployed?

We do offer same day loans to people on benefits or are unemployed if it is clear you can afford to repay our loan. You must prove you are receiving some income, for example; rental, investment or pension income and that it is safe to lend to you before we can accept your loan application. We want to make sure you can afford to pay back the loan while continuing to live normally (buying food, paying bills, rent, etc.).

Can I get a loan in minutes from Cashfloat?

Cashfloat offer really quick loans and funding within an hour after being approved. However, we can not guarantee loans in minutes. As a responsible and authorised lender, we carry out credit and affordability checks on all applicants. These checks do take time to carry out, and we believe that any lender offering loans in minutes are not conducting sufficient credit and affordability checks.

Am I eligible to apply for fast loans?

To apply for a fast loan with Cashfloat, you must meet certain criteria:
• You must be at least 18 years old
• Be a UK citizen
• Hold a UK bank account

How safe are your instant loans for bad credit?

Keeping our website and customers details safe is our top priority. Our instant loans for bad credit and all our loans are fully authorised and regulated by the FCA – permission license: 714479. Our website has a secure connection which means any details you fill out on our website will stay safe and secure.