Apply for Small Personal Loans From a Direct Lender!

Looking to make those home renovations? Or need some help buying a car?

Cashfloat offers small personal loans between £500 and £3,000. Apply online now and receive an instant decision if your small personal loan is approved. These loans are up to 10 times cheaper than payday loans! With repayment terms of 6 or 9 months, you can remodel your kitchen, pay back your loan quickly and walk away debt–free.

With our small personal loans, you can access between £1,000 and £2,500 – significantly more than our payday loan and short term loan products. We only charge 112.5% – 311.95% APR with an RAPR of 295.58% on our small personal loans versus 611.74% RAPR on our short term loans. These cheaper rates make these loans far more affordable. We have designed these bigger and cheaper loans that can be paid back over a longer period of time to help you finance bigger expenses without getting stuck into continuous borrowing cycles. Get the affordable finance that works for you!


What is a Personal Loan?

A personal loan is a type of unsecured loan that you borrow from a lender and repay in fixed monthly instalments

Personal loans are a way to cover large one-time expenses like buying a car, wedding expenses or a home improvement job. You can borrow unsecured personal loans from banks, online money lenders like us or credit unions and you pay back in fixed monthly payments or instalments. This type of credit is usually unsecured, which means if you can’t make your monthly repayments, the lender can not repossess anything you own.


Small Personal Loans Up to 10x Cheaper than Payday Loans

Cashfloat offers some of the cheapest personal loans on the UK market. Compared to leading payday lenders, our loans are up to 10 times cheaper! With our lower APR, you can manageably repay your loan in under a year. Access up to £2,500 today with an RAPR of 295.58%.


Advantages of cheap personal loans from Cashfloat

There are many wonderful benefits of borrowing low interest credit from Cashfloat, below are a few:
  • Get an instant decision on your personal loan application
  • Interest rates up to 10x cheaper than most direct lender payday loans
  • Managable and flexible repayments
  • No guarantor required
  • We are a responsible and fully authorised direct lender
  • If approved during business hours, get your funds within an hour.
  • High approval rates
How our loans work

Choose how much you want to borrow and apply online.


Get an instant decision online.


Once approved, the money will be in your account the same day.


Make monthly repayments flexibly online.

The best personal loans are the safest ones

However, it’s important to be wary of loan offers that look too good to be true — since they often are. Steer clear of any lender offering guaranteed personal loans or no credit check. These lenders are ignoring basic FCA guidelines that are meant to protect consumers like you. Lenders offering these types of loans are unsafe, and you should avoid them at all costs.

At Cashfloat, your safety is our priority. Our credit and affordability checks help us ensure that our loans will truly help you out. We never want to put you in endless debt. We will always do our best to make sure our small personal loans are right for your situation.

Check your eligibility now!

In order to apply for an online loan with Cashfloat, you will need to meet these basic criteria:

  • Over 18 years old
  • UK resident
  • Hold a UK bank account
  • Reliable source of income (salary, benefits, pension)
How much do you need?
Other amount
Ready for a small personal loan from Cashfloat?
Repayment total

Repay over: 9 months, 8 monthly repayments of: £226.33, last month repayment of: £226.36


Cashfloat – revolutionising unsecured personal loan lending in the UK

Our fair lending model helps more people get the money they need quickly. With our small personal loans we have made up to £2,500 more easily accesible and far more affordable than ever before. Looking to finance that home remodeling but don’t want to carry debt with you into retirement? Our cheap personal loans may be the perfect alternative to expensive payday and short term loan products. Apply with us today, and experience the Cashfloat difference.

Get a small personal loan from Cashfloat 100% unsecured

Get Your small personal loan online in 1 hour*

Once you complete your personal loan application, you’ll receive an instant decision from our underwriters. At Casfloat, we value your time, and we won’t keep you waiting unnecessarily. If you’re approved during business hours, we’ll transfer the funds to your account within an hour. Start using your same–day personal loan from Cashfloat in just 1 hour!


How much can I borrow with a small personal loan?

With Cashfloat, you can borrow a £1,000 loan, £1,500 loan, £2,000 loan, £2,500 loan and anything in between! If you need a larger sum, we may still be able to help you. With your permission, we can act as a broker and connect you with another lender who may be able to help you access a larger sum.

How many small personal loans can you have at once?

Cashfloat only allows customers to borrow one loan at a time. If you have finished repaying your loan and you feel that you need more funds, you can apply for another loan. However, if you find yourself frequently looking to borrow credit, this may be an indication of a more serious debt problem. We suggest speaking to a free debt advice agency such as StepChange for guidance. You can also check out our blog for more tips on smart budgeting and money management.

How can I get a quick personal loan?

Click here to apply for a loan from Cashfloat, your trusted direct lender. You’ll received an instant decision with your loan status from our underwriters. If you are approved during business hours, we’ll transfer the funds into your account in 1 hour. It’s really that easy! If we can’t approve you for a loan ourselves or you need a larger amount than we offer, we can still help. With your permission only, we can pass your application to another lender who may be able to help you find the loan you need.

Can I get guaranteed personal loans no matter what?

No. All FCA authorised and regulated lenders should perform a credit check on every applicant before funding a loan. Credit checks protect the customer from agreeing to repayments they cannot afford. Cashfloat is regulated by the Financial Conduct Authority, so we cannot guarantee that you will be approved for a loan before you even apply.

Can I get a small personal loan with bad credit?

Yes! Cashfloat offers small personal loans with high acceptance rates for all types of credit scores. We know that your credit score is only one factor in your financial picture. That’s why we focus on whether you can afford the loan in your budget. Apply now and you can have the funds in your bank account as soon as 1 hour* from approval!

Do Cashfloat offer joint personal loans?

Currently, Cashfloat are not offering personal loans for joint applicants. Our loans are all based on one applicant. We understand the need for joint personal loans. They are often undertaken if one of the applicants have a bad credit score. However, there is no need to worry as Cashfloat offer personal loans to applicants with bad credit as well.

Discover the Cashfloat difference and make you personal loan comparison

When you’re in the market for a personal loan, you want affordable interest rates with excellent repayment terms. Many people automatically turn to banks for personal loans, but banks might not be your best option. Most banks will only lend to applicants with excellent credit scores and flawless credit histories. So any slight defect on your credit report may significantly reduce your chances of approval. If your credit score is less-than-perfect (like most people in the UK), you may want to consider Cashfloat’s affordable alternative to traditional bank loans. Compare your options now and discover the Cashfloat difference!

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