Kelly Richards

Kelly Richards is a recognised voice in UK personal finance, trusted by thousands of readers for her ability to explain short-term credit clearly and responsibly. Over the last 18 years, she has written extensively about payday loans, budgeting, debt recovery, and financial planning. Her goal is always to help everyday people make smarter money decisions.

She is the founder of the Cashfloat blog, one of the UK’s most established credit education platforms, and now takes on a new challenge: leading the editorial direction at PaydayLoansOnline.co.uk. Her focus is on producing clear, honest content that helps borrowers understand their options, rights, and responsibilities before applying.

A Career Built on Consumer Credit Insight

Kelly began her finance career in 2007, working her way from Junior Account Executive to Senior Account Director at Cashfloat. Alongside her leadership role, she began publishing accessible finance guides designed to take the fear and confusion out of emergency borrowing.

Her articles reflect nearly two decades of industry experience, as well as first-hand knowledge of how lenders assess applications, how FCA rules protect consumers, and how borrowers can avoid common financial traps. Her work is grounded in accuracy, clarity, and a strong belief in financial literacy as a form of self-protection.

Education and Financial Background

Kelly earned her BA in Finance from the London School of Business and Finance, following earlier studies in Economics and Finance at London Business School. Her academic foundation supports her deep understanding of financial products, risk analysis, and affordability principles as set out in UK regulation.

Writing That Puts the Reader First

Whether she’s writing about payday loan costs or credit file recovery, Kelly’s goal is always the same: to help the reader feel informed, protected, and confident in their next step. Her articles are carefully reviewed for factual accuracy, written in plain English, and created with respect for the reader’s situation.

She has a particular interest in:

• Short-term loan transparency and cost breakdowns
• FCA rules on creditworthiness and affordability
• Budgeting tools for people on low or unstable incomes
• Debt avoidance and recovery strategies
• Borrowing options for poor or limited credit histories
  

“Financial content should help you feel clearer, not more overwhelmed. That’s the standard I write to.”

A Personal Mission

Kelly’s work is inspired by the people she meets, both online and offline. She travels frequently, often working remotely from cafés, cottages, and quiet corners around the world. Wherever she is, she brings a deep sense of purpose to every article. Her goal is to help readers protect themselves financially.

When she’s offline, you’ll find Kelly enjoying nature walks, cooking shows, or swimming at her local pool.