Quick Loans With an Instant Decision

Yes, you’ve come to the right place! If you need money ASAP to pay for a broken tooth, to repair your washing machine or to get your electricity back on, you can apply for £300 to £1,500 from Cashfloat.

Our payday loan application form can be accessed 24/7, and we aim to offer an approval decision within 30 minutes during normal working hours. If you’re approved, we aim to get the funds into your account within an hour. Even if you submit your application on a weekend or bank holiday, we’ll process it first thing the next working day. If for any reason we’re unable to finance you a loan ourselves, we can also act as a credit broker. In this case, we’ll try to find an alternative authorised and regulated lender for you, who can fund you a loan ASAP.

We’re committed to helping you access the financing you need without delay.

With Cashfloat, you can get a quick loan online of any amount up to £1500. It is best to work out how much you will need before applying. You don’t want to be paying interest on unnecessary funds, nor do you want to have to be borrowing money twice. Remember, it is a serious responsibility to take a loan from a direct lender, and you need to ensure you can afford to make the monthly payments.

If you get a loan today, your repayment period will be anywhere between three months and nine months. The exact amount of time depends on the amount you’d like to borrow and your personal preference. When you fill out your application, you can choose the loan duration that best fits your needs.

Generally, you begin repaying your loan from the next payday. However, you can always repay your loan early at no extra charge and save on interest. Cashfloat also have an Easy Start feature, which reduces the amount on the first monthly instalment. The idea is to make repaying a loan easier over all. You can read about Easy Start here.

Cashfloat loans are quick, and they’re easy to get hold of. We’ve designed our application process to be as fast and hassle-free as possible. After you’ve applied, we work as fast as we can behind the scenes to give you an approval decision. If you’re approved, we also aim to get the funds to your account within one hour.

We don’t recommend that anyone applies for a loan that comes without the lender carrying out a credit check. Lenders that offer loans without a credit check are not responsible, and they don’t take people’s financial safety seriously.

Credit checks and affordability checks are an essential part of the lending process. Without these checks, the lender can’t know if the applicant will be able to afford to repay a loan. If someone takes out a loan they can’t afford to pay, this can cause them serious problems. At Cashfloat, we perform checks to make sure that providing you with a loan won’t harm you financially.

This doesn’t mean, however, that you need to have a good credit score to get a loan from Cashfloat. In fact, you can still get a loan even if you’ve got a bad credit score. We place more importance on someone’s level of affordability than their credit score. If you can prove that you can afford to repay a loan, we’ll be happy to fund you one.

Borrowing money over the short term is always more expensive than over the longer term because of the way lending works. If lenders lend money for a short period of time, they collect interest for a short period of time as well and have to charge more as a result.

At Cashfloat, our instant loans do have a lower APR than many other UK lenders like us. Compare our prices against other payday lenders to see for yourself.

If you’re looking for a fast loan, remember that it’s important not to end up making a decision you regret later on. Taking out a loan and entering a loan agreement is a big commitment that should be considered properly beforehand.

Even if you definitely do need a fast loan, you should compare lenders to get the best deal. Just applying to the first lender who will approve your application could leave you with a large debt to repay. Always make sure the lender you choose is trustworthy and that they provide a loan you can afford to repay.

Sometimes, when people need money fast, they look for a lender who can provide a payday loan in 10 or 15 minutes. At Cashfloat, our loans are super quick. We can’t do them in 10 or 15 minutes, however, because we’re a responsible lender. We’re slightly slower because we follow certain procedures. We can normally provide a loan decision within 30 minutes of application and get funding to applicants within an hour* of approval.

As a responsible and authorised lender, we carry out credit and affordability checks on all applicants. These checks do take a little bit of time to perform, but they’re essential for your financial safety. Lenders that provide 10 or 15 minute loans may not be conducting sufficient credit and affordability checks, and they might not be a safe option.