Cashfloat is a UK-based lender authorised and regulated by the Financial Conduct Authority. We have operated continuously under FCA regulation since 2014, providing access to short-term credit within a clear, controlled, and transparent framework.
If you’re considering borrowing, you can explore your options below at your own pace. There is no obligation to proceed.
Cashfloat was built to operate inside regulation, not around it. From day one, our lending model has been shaped by the standards applied to high-cost short-term credit in the UK.
We are not a rebrand, a lead-generation site, or a short-term entrant to the market. Cashfloat has operated continuously through regulatory change, increased consumer protection, and evolving affordability standards. That experience informs how we lend today.
Our role is to provide access to short-term credit in a way that is measured, transparent, and designed around long-term borrower outcomes rather than short-term volume.
High-cost short-term credit is one of the most closely regulated areas of UK financial services. Cashfloat operates within the Financial Conduct Authority’s High-Cost Short-Term Credit (HCSTC) framework, which governs how these loans are designed, priced, assessed, and supported.
For us, HCSTC is not a checklist. It is the operating framework that defines our decisions, controls, and borrower protections. This approach has remained consistent since 2014 and is embedded across our systems, policies, and lending processes.
Across all of our lending products, the same principles apply:
These principles apply consistently, regardless of the type of loan being considered.
Cashfloat is part of the Western Circle group and benefits from shared technology and risk systems developed specifically for regulated UK lending. This allows the same borrower protections and operational standards to apply across all Cashfloat loans.
The following capabilities apply to every Cashfloat loan:
These are not promotional features. They are operational standards built into how we lend.
Cashfloat focuses on three clearly defined areas of short-term lending. Each follows the same responsible lending framework described above.
For short-term financial needs where timing is critical, with clear cost caps and defined repayment schedules.
Structured borrowing over a slightly longer period, offering predictable repayments and flexibility for planned expenses.
Options for borrowers with less-than-perfect credit histories, assessed carefully to ensure affordability and suitability.
Cashfloat is fully authorised and regulated by the Financial Conduct Authority. This requires us to:
If borrowing becomes difficult, we encourage customers to contact us as early as possible. Our priority is to work toward solutions that are realistic and appropriate. Independent guidance is also available through services such as MoneyHelper.
All Cashfloat loans are offered within the same responsible lending framework and benefit from the same borrower protections. However, individual loans are designed to address different borrowing profiles, such as short-term needs or borrowing with a poor credit history.
As required by regulation, a representative example is provided below to illustrate the typical cost of borrowing. This example is for guidance only.
Representative example:
As you continue through our process, we will clearly show the exact repayment plan and total cost available to you before you are asked to provide full personal information or commit to any agreement.
Important to know: Cashfloat Loans is a trading style of Western Circle Limited. Authorised and regulated by the Financial Conduct Authority. FCA full permission licence: 714479. Warning: Late repayment can cause serious money problems. For help, visit moneyhelper.org.uk.
If you’re ready to continue
If you’ve reviewed how Cashfloat operates and would like to explore your eligibility, you can begin an application at your own pace. The initial step uses a soft credit check and does not affect your credit score. There is no obligation to proceed, and you will be able to review available options before making any decision.
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