A Category Created By An Established UK Lender
Since 2014, Cashfloat has operated as a fully authorised direct lender. No brokers. No hidden networks.
When you need money fast, don’t settle for generic lenders. Cashfloat is an established UK direct lender (trusted since 2014). Borrow £250 – £2,500 with terms that fit your budget.
Borrow between £250 and £2500 over 3 to 9 months. Rates between 295.58% APR and a maximum APR of 1294%. Representative APR 611.74%.
Not all loans are created equal. While generic payday and short-term lenders offer quick cash, they often lack the features and flexibility borrowers truly need. Cashfloat Loans are built differently — designed to give you control, protection, and a smoother repayment experience. Here’s how we compare where it really matters.
Since 2014, Cashfloat has operated as a fully authorised direct lender. No brokers. No hidden networks.
Not a quick turnover product — structured to support responsible borrowing with clear repayment plans.
Most approvals are within 30 minutes, never compromising on proper assessment or transparency.
Thousands have helped cover unexpected expenses without the risks commonly linked to short-term lenders.
Before choosing your loan, take a moment to compare Cashfloat with other UK lenders — the table below shows exactly where we stand out.
(many are offshore or broker networks)
(not all are regulated; many operate via intermediaries)
inconsistent
Cashfloat Loans give you the speed you need with the safety, support, and transparency you deserve — the responsible UK alternative to generic payday lending. If you’re ready to get your Cashfloat Loan, let’s start.
Minimum APR 295.58%, Maximum APR 1294%.
Minimum APR 112.5%, Maximum APR 311.95%.
Minimum APR 32.3%, Maximum APR 99%.
Meet the incredible team working behind the scenes to get your loans safely delivered to your bank account since 2014! If you have any questions or concerns, please feel free to reach out to us. Our team is UK based and readily available Monday to Friday from 9am to 5.30pm.
Peter Kimpton, a highly esteemed financial expert, joined Western Circle in 2016 and has orchestrated and steered its operations in the UK and Europe with unparalleled expertise.
Richard has 15+ years of finance experience across banking, consumer credit, and enforcement, specialising in credit compliance, collections, and underwriting.
Julie Darmudas, a Certified Fellow Compliance Practitioner and Chartered HR Practitioner, has 30+ years in consumer credit, specialising in regulatory strategies and compliance.
Mark has worked in the Short Fixed Term Loan industry customer service for over 15 years. With vast experience in Collections, Debt Management and IVA sectors.
Cheryl switched from fitness to finance 20 years ago. As head of our underwriting team, she makes sure our team is lending responsibly and fairly.
We take our role as a credit provider very seriously and take every precaution to make sure that the loan is fully affordable and will not put you into financial distress.
We also encourage our customers to borrow responsibly, and only apply for a loan from us if you believe it is right for you.
Need to borrow money?Credit scammers target vulnerable people looking for loans. Here at Cashfloat, we decided to take an active role in preventing fraud and scam attempts in the world of online loans by keeping an up-to-date log of all ongoing scams. You can read more about what we do at our Fraud Prevention Centre.
Visit the fraud prevention centreOver 500,000 people have already experienced the Cashfloat difference. In more than 10 years of operating in the UK, we’ve become a central pillar of trust in the lending market. Borrowers choose us because we make borrowing simple, transparent and fast — backed by a UK team that genuinely cares. If you’re ready for a better loan experience, start your Cashfloat application now.
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