Get your text loan alternatives from Cashfloat
Direct lender. From £400. Apply 24/7.

Do you need a text loan of up to £1500 today? Cashfloat is a trusted payday loans lender, and we accept applications even for bad credit scores! We are an FCA authorised direct lender with high acceptance rates. Our easy application process will take just a few minutes of your time and you will get an instant loan decision with same day funding on your alternative to text loans.


Why is a Cashfloat Text Loan Alternative Right For You?

The Cashfloat text loan alternative is simply convenient. People often use Payday loans for emergency or unexpected expenses, or when money is tight towards payday. That’s why an instant text loan is one of the most convenient products available. No longer do you have to go into a payday loans store, or use a desktop, now you can get approval of your loans by text, from your mobile phone with Cashfloat. We don’t offer text loans, but you can get our small loans online super fast if approved. Like a text loan, Cashfloat’s online loans are:

  • Available for you anywhere, at any time.
  • In your account within three hours (if approved).
  • Convenient to use and repay

We also have a live chat to enable you to get your instant loans with ease. There, you can chat to our customer service team and clarify any difficulties or queries that you may have.

What our customers say about our text loan alternatives
Mrs Joie Feria
Verified Buyer –

Customers service is just an App away. You can chat, call or text. They are good company always understands the circumstance of every individual

Stephen Duke
Verified Buyer –

Brilliant response to my application, quick and easy process, great service all the way.

Abdullah O
Verified Buyer –

This is the quickest, simplest way I have experienced so far of obtaining credit – I think the whole process for me took no more than 45 mins and everything was clearly presented and easy to understand- thank you so much:)and good job!

Verified Buyer –

Quick and easy to use. Less than 2 hours from application to approval. Would definitely recommend.

How our text loan alternatives work
a step-by-step guide

Apply for your text loan alternative online.


Get a lending decision within 90 seconds.


Once approved, get your money within a hour.


Make flexible monthly repayments online.

Text Loans From Direct Lender

100 text loans direct lenders are an easy solution when you need to find some a no guarantor loan. Cashfloat is a trusted direct lender, and offer payday loans of up to £1500.  We are fully FCA regulated, so you can be sure that your information is safe with us. We will never hand your information over to a third party without your consent.

When looking for text loans direct lender, and text loans direct lender UK, it’s important to note that some brokers will not state that they are brokers outright. If text loan lenders do not clearly state whether they are a direct lender or broker on their website, it’s best to avoid them. You want to ensure you and your money are in the hands of an honest and transparent lender.

What are Text Payday Loans?

Payday loans are designed for emergency situations when you need money fast. In situations like this, you need an application process that is super fast and convenient. That’s why some payday lenders have begun offering their services via text. A text loan is simply a payday loan where you send a text instead of going straight to the online payday loan application form.

Cashfloat payday loans can sometimes be even quicker than text loans. Once your payday loan has been approved, you will receive the money to your bank account within the hour. From the time you apply, to the time you get the money is on average less than 4 hours, when you apply with Cashfloat. That is what makes Cashfloat payday loans a great alternative to text loans.


Can I get loan with no credit check?

You will be pleased to know that Cashfloat offer bad credit loans. We will not judge you by your credit score, and we will process your application no matter what your credit score is.

Precautions when taking a Mobile Text Loan

Our payday loan and short term loan products are designed with the consumer in mind, and your needs are our priority. At Cashfloat, our service just gets better. In addition, we have installed top of the range safety technology on our website, so consumers can be sure that their personal and financial details are safe with us. Check out some more of our features below!

How much do you need?
Other amount
Ready for a text loan alternative 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.


How do I apply for text loan alternatives UK?

To apply, first click on ‘apply now’ on the image above, or anywhere else it appears on this page. Then, fill out our straightforward application form and submit. After completing these two simple steps, you can look forward to a quick response from our team.

Our alternative to text a loan are easy to apply for. Find out what text loan alternatives you can get from Cashfloat below.

Text Loans Cashfloat’s Loans
Direct text loans
Text loan direct lenders uk
We are a direct lender in the UK
Text loans bad credit
Text loans for bad credit
We provide loans for bad credit
Text a loan uk
Text payday loans uk
We are a trusted lender in the UK
Short term text loans We offer short term loans
Quick text loans Loans funded within 1 hour of approval*
Mini text loans We provide small loans
Payday text loans We offer affordable payday loans
New text loan lenders We are a new generation lender
*During work hours
FAQ’s about our text loan alternatives

Can I get an online loan from direct lenders with bad credit?

Text loans for bad credit allow you to apply for a loan with a lender with just a simple text, such as ‘NEED £450 NOW’. There are not many text loans direct lenders in the UK, but if you find one, make sure to check that they are fully authorised by the FCA. At Cashfloat, we do not offer text loans. This is because we feel that borrowing money is a serious decision and should be done carefully and thoughtfully. Filing out an online application only takes a few minutes, but allows the borrower more time to think about what they are doing.

Why can’t I find instant text loans in the UK with no credit check?

Lenders are not allowed to lend you money without carrying out a credit check first. This is because it’s the lender’s responsibility to check sure that the applicant applying is credit worthy and can be trusted with further credit commitments. Still, you can find UK text loans from FCA authorised lenders. They will carry out the necessary checks on your application and process your loan. Since the information in the text may not be enough for them to finalise your loan, they may need to contact you, making the procedure longer than that of an online instant loan.

I need a £100 loan by text. What do I need to do?

It’s not uncommon to get stuck with just your phone and no internet access. Maybe your data ran out, or there’s no Wifi access be a very convenient solution. £100 text loans direct lenders can be found in the UK. Their goal is to provide you with mini text loans, and all you need to do is, well, text them! The main problem with mini text loans direct lenders is that they often only approve small amounts because the information you provide when applying for loans by text message is minimal.

How quickly can I can get a loan from Cashfloat?

With Cashfloat, your quick loan will be in your bank account you anywhere between 10 mins and 1 hour from approval. If your bank doesn’t support Faster Payment Services (FPS), it could take longer. All our quick loans are funded same day for no extra fee.

Remember: Even when you need cash fast, make sure you follow the basic short term finance safety guidelines to make sure that you’re dealing with a responsible lender.

Can I get a small text loan from Cashfloat?

At Cashfloat, we do not offer text loans. However, the loans we offer are just as fast as text loans. If you are looking for £400 – £1500, you can apply online with Cashfloat.

Can I apply for text loans 24/7?

Text loans are available 24/7. Cashfloat offer an alternative to text loans which you can also apply for 24/7 with same day payout. Apply whenever it is convenient for you and you will get an instant decision as soon as you have completed the application.

Do text loans with no fees exist?

Most companies offering text loans do charge some kind of fee. At Cashfloat we offer text loan alternatives with no fees whatsoever. All the interest you will pay is shown up front when you apply for the loan.

Is Cashfloat regulated by the FCA?

Yes, we are. The Financial Conduct Authority (FCA) is responsible for the regulating of finances in the UK. The FCA has been operating since 2013, continuing the role of the FSA who held the position before them.

The FCA takes responsibility for the investigation of financial companies, and to ensure that companies in the UK are operating legally and fairly. In 2014, the FCA introduced strict rules for payday loans. These rules apply to all payday loans, regardless of whether you want to take a 50 text loan, 100 text loans, or more.

The purpose of these regulations were to benefit payday loan borrowers, by enabling them to take affordable payday loans. Their intention was to eliminate the rising numbers of loan sharks. If a company who offers payday loans by text message, or online loans, is FCA regulated, they will proudly state so on their website. Make sure to check for the FCA number on all payday loan sites before you borrow from that company.

Cashfloat is a trusted FCA regulated lender. Ever since our first day in service, we contantly work on improving our short term loan products to help consumers take affordable loans. We pride ourselves with going beyond the FCA regulations to ensure our consumers have a most welcoming experience.