Are you looking for instant loans? The Cashfloat team specialises in instant decision loans and money in your bank account within 1 hour of approval. We’re a direct lender with high acceptance rates. Apply now for your instant payday loan of up to ?1000. Cashfloat is an FCA-authorised financial services company, and we welcome people with a bad credit score to apply for our short term loans too.
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Instant Cash Loans: How They Work
Instant cash loans are funds credited directly into your account after a successful application. Sometimes known as pay day loans, these types of payment plans are often used for emergencies, offering a little extra essential cash until ‘payday’. For example, to help cover the costs of household repairs, unexpected bills, medical care, or any other financial hurdle headed your way.
Due to their urgency, instant cash payday loans come with high rates, which means they should never be used for long-term monetary needs. Instead, we provide immediate solutions to alleviate short-term problems, with cheap short term loans available from ?300 to ?1,000 for a duration between three and six months.
Instant Loans for Bad Credit
Perhaps you’ve already applied for instant loan approval on one or more occasions, only to be rejected on account of your poor credit rating. Instant loans for bad credit, especially those provided by reputable money lending services, can be harder to come by, as many companies request a guarantor for those with too low a rating.
At Cashfloat, we understand that credit history doesn’t reveal the whole story, and we believe accessible loan options should be available to everyone. As a bad credit direct lender, we not only offer more opportunities, but we also treat our customers equally, imposing the same loan rates across the board, regardless of credit rating. On top of that, all our short term loans are unsecured. So, even with poor to fair credit, you may still be entitled to borrow money online without securing a guarantor or collateral.
Instant cash loans in the UK rely on their speed to help customers with urgent financial hardships. However, no transference of money is actually possible without a credit check, that is, if the company offering their services adheres to the rules and regulations set out by the UK’s controlling body, the FCA (Financial Conduct Authority). If opting for a no credit check loan, the likelihood of getting involved in scams and accumulating hefty debts increases considerably.
Can I apply with a less than perfect credit score?
If you are worried that your poor credit will reduce your chances of short term loan approval, fear not! We are more concerned with your legitimate ability to repay the money than your financial history. Of course, we take your credit into account, but this is just one of several factors we consider as part of your request. If you’re still unsure, you can always enter your details into our online calculator to assess your affordability rating before starting your application.
What should I do if I can’t afford a loan?
Sometimes you may need that payday loan desperately. However, if you are struggling financially and know what you may not be able to afford the short term loan repayments, we do not advise you to apply for a loan. Various financial organisations offer free financial advice, like the Money helper and StepChange. When you apply for a loan, it’s essential to make sure that this is the right decision.
Instant Loans Direct Lenders
One of the reasons why we are able to deliver our response instantaneously comes from the fact that we are direct lenders. Unlike a credit broker, we do not pass information on to third parties and waste time finding you a financial backer. Instead, we process all applications ourselves and transfer the money to you directly. This not only speeds up the procedure, but it also means you know who you are working with at all times. No broker services only make things simpler.
