Short Term Loans

Need a short term loan up to 1100 pounds today? Even if you have a bad credit score, we can help. We are a short term loans direct lender, authorised by the Financial Conduct Authority (FCA). Apply now online and get an instant lending decision. Once approved, we will have the money in your bank account the same day, no extra fees.


Your Short Term Loan Information Card
  • You can get a short-term loan from £200 to £1100
  • Feel free to apply even with a bad credit score
  • You can repay your short term 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 direct lender.
  • We welcome people with bad-credit
  • Unsecured loans, no guarantor needed
Why Cashfloat?
FAQs about Short Term Loans

What’s the difference between short term loans and payday loans?

Understanding the differences in loan types is an important first step when making a borrowing decision. The terms short-term loan and short term pay day loan are sometimes used to refer to the same thing in the UK. However, short term UK loans differ from short term payday loans in that they are paid back in smaller and more manageable repayments. In the case of a sudden emergency, a customer can borrow a short term loan UK and still have the breathing space to recover without the stress of paying the entire loan back on their next payday. Cashfloat offers ‘short term cash loans UK’ as a payday loan alternative, but with the flexibility and control you are looking for.


Short term loans from a regulated direct lender such as Cashfloat, are an affordable alternative to traditional payday loans in the UK. All Cashfloat’s short term loans are unsecured loans and require no guarantor. We are happy to consider online loan applications from people with a bad credit score. Applying for a loan with us is easy and fast. Most people complete the online loan application within two minutes.

Short Term Loans Bad Credit

Bad credit short term loans are available online for people in the UK. When applying for short term loans with poor credit, you need to show that you can afford to repay the loan without increasing your debt. Unlike many banks, leading short term lenders in the UK base their lending decision on affordability and payment intention.


Can I get bad credit short term loans online?


Can I get short term loans with no credit check from a direct lender in the UK?

Yes, you can get a short term loan, even if you have a poor credit score, but you need to understand why your credit is poor and try to improve it. Short term loans direct lenders who are FCA authorised in the UK must carry out a credit check in order to process your application. If you are looking for a responsible short term loans UK direct lender, Cashfloat is here to help!

Short term loans with no credit check are not a valid option from FCA-authorised lenders. We recommend that you avoid anyone who offers you a short term loan without a credit check. If you think you have found a short term loans no credit check direct lender, you’ve probably stumbled across illegal loan sharks. Short term loans with no credit check do not exist in the UK.


Do unsecured short term loans with no guarantor exist in the UK?

Short term loans with no guarantor are a type of unsecured loan. In general, unsecured loans are more expensive than secured loans as there is a higher risk for the lender when lending to you. That’s why low interest short term loans are easier to find with a guarantor. Still, it’s not too hard to find low interest short term loans with no guarantor if you do your research well. To compare short term loans, look at the APR displayed on each lender’s website. This should help you find unsecured short term loans with a low APR.


Can I apply for short term finance loans if I am a student?

Short term loans for students are available from select lenders only. This is because most students do not work or are only employed part time. With little/no income, most lenders are not willing to lend short term loan for unemployed people or people on a low income. If you’re a student and are looking for short term finance loans, explore your other options before approaching online lenders. Maybe you can find friends/family that can help you? Or maybe you can apply for student support? Short term cash loans are expensive and should only be used as a final resort.

Short term loans Online in the UK

Although short term finance is available in UK high street shops, most people opt for a far easier way of receiving a loan and prefer to apply online. At Cashfloat, we have spared no effort to ensure you have a quick and easy time applying for a payday loan. Our simple application form is available online from both your mobile phone and desktop.


How much can I apply for a Cashfloat short term loan?


How fast can I get short term payday loans online?

Cashfloat is a short term small loans lender. As with all other small short term lenders in the UK, our small loans are only intended to fill a short term financial gap. At the same time, we’ve designed them to be paid back over several paydays to reduce the impact of each repayment. Our short term small loans range from £200 up to £1,100. If you are looking for a small short term loan from a responsible direct lender, we might just be the right address!

If approved, you can receive the money within an hour. Not bad, right? Online short term lenders offer a fast solution for urgent credit needs. Short term loans online are convenient but should be used with care. If you need online short term loans now, apply with Cashfloat and get an instant decision. Even though it’s quick and easy to apply for short term loans online, short term loans should never be used as a long term solution.


What is the Process When Applying with Cashfloat?

  • You need a loan and you need it now. Even with bad credit, Cashfloat short term loans may just be the right credit option for you. The online loan application process is simple, and you can complete it in just a few minutes on your computer or mobile phone. Once your online loan application is approved, then you will usually get the cash into your bank account within an hour. No paperwork needed. As well, you can easily repay your installments as early as you want, saving on the overall cost of credit.

  • Thousands of people in the UK use our FCA-approved short term credit line every month. Our customer satisfaction level is among the highest in the industry. Our customers include NHS nurses, teachers, drivers, administrative workers, students and people that need cash advances to cover unexpected expenses or to pay bills. We aim to provide you with the best short term loans in the UK, exactly when you need it.


  • Did you know? Cashfloat short term loans are calculated using simple interest rate. Unlike most loans that banks in the UK offer, here at Cashfloat we never charge interest on the interest (compound interest). You pay only for the money you get.

  • Cashfloat short term loans are available for people with bad credit in the UK. Cashfloat is a new direct lender! We give you the loans directly.

The Best Short Term Loans

We go above and beyond to provide you with the best short term payday loans when applying online with Cashfloat. We’ll never charge an administration fee, and our loans are always unsecured even for people with bad credit.


What are the best short term loans?


Where will I find short term loans online with easy repayment?

The best short term loans in the UK are those that give borrowers the best credit solution for their current financial need. To find the best short term loans online, you need to consider the overall cost of credit, additional fees and the lender’s reputation. Remember, the best place to get a short term loan might not necessarily be the place where your friend got a loan. It all depends on what loan features are important to you. For example, while you may be looking for a loan with the best short term loan rates, your friend may need the best short term loans for bad credit.

Short term loans online are available in all shapes and sizes. For short term loans with easy repayment, you will need a lender that is known for outstanding customer service and an easy-to-use customer login area. With Cashfloat, you will be able to manage your account 24/7 and repay your loan however early you want with no penalties and save on interest. Since the interest is calculated daily on the amount of capital you hold, any capital you pay early would save you interest money. Regardless of your original installment plan, you can repay your loan as early as you want without any fees. In fact, repaying your short term loan early online can be done in just a few seconds on our website!


Why Should I Trust Cashfloat to get my short term loan?

At Cashfloat, we strive to provide our customer with the best lending experience in the UK. As a regulated direct lender, we cap our interest rates and allow our borrowers to pay as early as they want without additional fees.

While short term loans are easy to access, they are not necessarily the cheapest option for you. It is extremely important to work with FCA authorised lenders only to ensure that your privacy and information are protected.

In the heat of the moment when in need of fast cash, people tend to search for quick, easy credit solutions. It is vital to understand that borrowing money is a serious decision. Many of the websites you will find online belong to brokers or just marketers. Cashfloat is an FCA authorised direct lender. We provide you with the short term loans directly. We never ask for a guarantor, and many of our happy customers have poor credit score. We never judge people just by a number. When you work with Cashfloat to obtain a responsible short term loan online, we will always be there for you.


Written by: Kelly R
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