Fast, Flexible, Short Term Loans

How much do you need today?

For how long?

Example Repayments

based on the last working day of each month

Just a moment please...

 We are a direct lender     A flat interest rate of 0.7% per day     Discreet, safe & secure     A polite and friendly customer service crew

Warning: Late repayments can cause you serious money problems. For help, go to

Representative Example: Borrow £400 for 4 months, four monthly repayments of £197.48. Total repayment £597.48, interest rate p.a. (fixed) 255.5%. Representative APR 939.5%. Compare Moneyboat loans.

Why Moneyboat?


We are a UK Direct Lender

At Moneyboat we are direct lenders and we deal with your short term loan application directly. Free yourself from the worry of brokers who send you from website to website. With no middle man or broker, at Moneyboat you will always know where you stand.

No hidden or added fees! Just a flat interest rate of 0.7% per day

While many short term loans and payday loans lenders are charging 0.8% interest per day, we have chosen to express our commitment to your well being, by charging you less!


Discreet, Safe & Secure

We respect your privacy and value the importance for safe and secure transactions. MoneyBoat’s systems are fully encrypted and data is regulated and confidential.

UK Customer Service

We’ll help you to begin managing your short term cash flow needs today, with the very best personalised service. Our customer support staff are available during office hours to answer any questions and guide you through the loan process from start to finish.

How Does it Work?

Our Simple 4 Step Process:


Fill in our easy application form free of charge.


From the information provided, as well as from credit reference agencies we’ll then automatically assess your eligibility.


Check your inbox for your your loan agreement which will be sent via email based upon approval. Sign and send back the same day.


Receive your cash directly into your UK bank account. Withdraw from an ATM or manage with internet banking.

Looking for a short term loan on a personalised payback schedule?

Moneyboat’s Service Is Rated Excellent | 9.6/10

Short Term Loans from £200 to £1,500

We’re here to help you stay afloat in your time of need. We are a customer service oriented company with a kind and helpful crew at your service.

We offer short term loans of up to £800 for new customers and up to £1500 for previous customers. See our Charges page and the FAQ’s for further information.

Flexible Payments & Terms

We are committed to providing a personal, discreet and transparent service throughout your experience.

Although convenient, short term payday loans are not suitable to be used as a long term financial solution. We will always let you know what you’ll need to pay and when, before making a decision to borrow from us & throughout your time as a customer with us.

New customers can borrow from £200 to £800. Loans are repayable over a minimum term of 2 instalments and a maximum of 6 months. The minimum instalment duration for the first instalment is 5 days. Existing customers can borrow up to £1500, subject to passing our credit and affordability checks. Customers may payback their loan early with no penalties or fees.

Smooth Sailing

Our efficient application and agreement signing process makes a convenient cash loan solution

All Aboard

Our loan underwriting staff are professional, friendly and discreet. Our staff are available weekdays 8am – 5:30pm

Weather Proof

Rainy day? Come rain or shine, understand your short term finance needs and are here as a direct lender, to assist with a range of loan options

Short term loans, often referred to as instalment loans, differ from payday loans in that they may be repaid over a period of time, rather than all at once. With this option, consumers find they can budget for payment obligations without overextending themselves to meet a short term need.


This provides breathing room when an emergency arises, without the added pressure of having to come up with funds immediately to repay the loan. Short term loans offer flexibility and control that borrowers prefer. As with payday loans, short term loans tend to have higher interest rates than other loan products on the market. Borrowers should take this into consideration when obtaining funds from direct lenders or broker and should never borrow more than they need, so as not to bring about more financial difficulties. MoneyBoat customers will always receive a clear repayment schedule and enjoy a transparent and fair lending experience from us, a responsible UK direct lender.

Payday loans continue to receive bad press, yet people often overlook the benefits they provide. See our if our payday loans online suit your needs. We are direct lenders of payday loans which means we fund the loans ourselves, not requiring any third parties for funding.


Many people seek payday loan debt help in the UK. As with any form of credit, individuals should take care before applying to ensure they can make the repayments.  Although a payday loan does come with a higher interest rate than many other loan products on the market, it can be of great help to those who need cash quickly. 

Individuals often question whether it could be beneficial to take out a loan at any time, other than for a house or vehicle. The answer to this question is yes. One should never put off needed dental care simply because they don’t have the funds to pay for it.


Although the NHS does pay for a portion of these costs, individuals must pay for a portion of their fillings, extractions, crowns, dentures and bridges. A short term loan can help if the person needs this work done, yet doesn’t have the funds to pay for it. Be aware, however, the amount to be borrowed will often be more than the cost of the dental work, as most direct lenders in the UK do have a minimum borrowing amount. If a person needs a vehicle to travel to or from work and the vehicle breaks down, a loan could be obtained to pay for the repairs if there is no other available option. In contrast, a person should not borrow money for an unplanned holiday simply because they can get a good deal at that time. As responsible UK direct lenders, we recommend borrowers evaluate the differences between items that they want and items they essentially need and borrow on that basis.