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

Representative 939.5% APR:

Representative Example: £400 loan for 113 days (4 instalments). Total: £597.48. Interest £197.48. Interest rate 255.5% pa (fixed). Repay £149.37 for 4 payments. Representative 939.5% APR.

You can find a loan comparison site here


Example Repayments:*

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* Exact repayment amounts may change, subject to your pay date. The example above assumes you are paid on the last working day of each month. Exact figures will be provided once you have entered your pay date information.

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Welcome to!

We are a direct lender, providing short term payday loans provides responsible & affordable short term payday loans online. It’s a convenient way for you to stay afloat when your cash flow hits a stormy patch.

We have easy to understand charges and repayments and a streamlined lending process. Our aim is to offer you convenient and stress free access to an instalment cash loan that suits your needs.

As a responsible payday lender, all approved applications are subject to passing our credit and affordability checks.

short term loans by

To ensure that you make the best loan decision for your needs, we suggest you visit

Smooth Sailing

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

All Aboard

Our London based customer support staff are professional, friendly and discreet. We are available weekdays 8:30AM – 5:30PM

Weather Proof

Rainy day? Come rain or shine – understands your short term credit needs and are here to assist.

Transparent Charges

Chartering the murky water of interest rates, APR’s & charges might be a little out of your depth.
Need a simple summary of all interest and charges?

Learn More

Responsible Lending

We are committed to responsible lending decisions and as such all our dealings with you will be as clear & transparent as the Caribbean Shore Line.

Click here is rated 4.7 stars by based on 805 reviews

Need a stress free short term instalment loan?

Apply Now!

Short Term Loans of £200 to £1,500 for up to 6 months

Are you looking for payday loans for poor credit? Login to Moneyboat and let us help you stay afloat in your time of need. We understand that many of our customers need quick loans for emergency circumstances and at Moneyboat we aim to acomodate a high acceptance, subject to approval. 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 and FAQ’s to understand more about what is a payday loan.

Flexible Payments & Terms

We are committed to providing a personal, discreet and transparent service throughout your borrowing experience. We aim for smooth sailing during the lending and collections procedures for our customers to enjoy an easy ride.

Although convenient, short term payday loans are not recommended as a long term financial solution. Affordability is our priority. Before making a decision to borrow from us and throughout your loan process, we will always notify you about what you’ll need to pay and when.

New customers can borrow from £200.00 to £800.00. 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 £1500.00, subject to passing our credit and affordability checks. Customers may payback their loan early with no penalties or fees.

We are a direct short term loans lender – No guarantor

Frustrated with brokers sending you from website to website? No consideration of what you really need? We are authorised direct lenders providing unsecured loans for bad credit, or good credit. With no broker or middle man, you will always know where you stand with short term loans from Moneyboat. Although we do not claim to be offering payday loans with no credit check, our credit score requirements are generally much lower than a conventional lender.

Discreet, Safe & Secure

We respect your privacy and understand your need for safe and secure interactions with us. We go the extra mile to keep you and your data protected.

Payday loans no brokers no 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!

Customer Service with a Smile

We endeavour to satisfy your short term cash flow needs in the most suitable, efficient & friendly manner possible. Check out our reviews here to learn more about our customer service track record. Call our payday loans customer service number for help at any time and a representative will get back to you.

“First class service”

First time customer with money boat and was overwhelmed by the service. Had a few pay day loans in the past and these are defiantly the best I have dealt with. Professional, assertive and to the point. If you are thinking about getting a short term loan then would strongly recommend these.

Kirbyly489 -

“Simple, no fuss, and personal experience”

Loan companies in particular have been painted in a very dim light in aspects of the media recently. Moneyboat however is like a breath of fresh air, certainly re-writing the wrongs this industry has been portrayed in …

frank_william1881 -

“Amazing Friendly Service”

This company is Brilliant! Really easy to use website that explains everything before you apply. I am an existing customer and both times have been very smooth. They are also there when you need them via email and reply promptly. Thanks MoneyBoat!

Martinb17 -

Payday loans continue to receive bad press, yet people often overlook the benefits they provide. Although it is true that many people seek payday loan debt help, this type of loan is the same as any form of credit. Individuals need to take care before applying to ensure they can make the payments. Cars continue to be repossessed every day, homes are lost to foreclosure and people default on credit cards, yet they don’t receive the same type of negative press. Although a payday loan does come with a higher interest rate than many of its counterparts, it’s of great help to those who need cash quickly. Here is what every consumer needs to know about short term loans, payday loans and other options available to them.

What Are Payday Loans?

Payday loans serve as a short term solution to an immediate expense. These high interest loans typically come with a low maximum borrowing limit and a high interest rate. Lenders require the money be paid back in a short period of time, often 30 days or less. As the rates with this type of loan are high, some borrowers find they are unable to meet either their loan obligation or other obligations they have. If the loan is not paid as agreed, the money that is still owed becomes due, along with interest and any late fees and charges assessed by the lender. The interest, fees and charges continue to build up until the loan is paid in full, and this is where many borrowers find they get into trouble.

Lenders understand this may be a problem for borrowers, and they now offer a solution. They allow the borrower to roll over the entire balance for a month simply by paying the interest owed on the original amount. The problem with this is the debt continues to grow. Restrictions have been placed on the number of times the loan may be rolled over in this manner and the amount the debt can grow to. The debt cannot be more than twice the amount borrowed after fees are added in.

The problem occurs when people have multiple payday loans. They roll these loans over and never get out of debt. It becomes a cycle that the borrower finds difficult to break.

What Are Short Term Loans?

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. Consumers find this gives them breathing room when an emergency arises, without pressure to come up with funds immediately to repay the loan. They offer flexibility and control that borrowers prefer. As with payday loans, short term loans tend to have higher interest rates than conventional loans. Borrowers need to take this into consideration when obtaining funds and never obtain more than they need and can repay without bringing about more financial difficulties. Consumers can see how much will need to be paid back and in what instalments once pay date information has been provided when using MoneyBoat, as borrowing needs to be transparent at all times.

Tips For Borrowing Money

Following are some tips consumers need to keep in mind when borrowing money. These tips apply to all types of financing, not simply payday or short term loans.

  • Take time to compare lenders. Many individuals fail to take this step simply because they need money quickly. Doing so can cost a consumer a great deal more in the long run, however, so this is one step that should never be neglected.
  • Consider the amount to be repaid before borrowing money. At times, it is best to have a loan with a shorter repayment term, yet a lower annual percentage rate is better in other cases. Fortunately, there are numerous calculators available online to help consumers compare loans and repayment terms.
  • Understand the difference between a secured loan and one that is unsecured. Secured loans are backed by collateral, and this collateral may be lost in the event the borrower defaults on the loan. For example, a mortgage is a secured loan, and the home may be taken by the lender if payments aren’t made as agreed.
  • Don’t borrow money without considering other options. If a utility bill is due, talk to the provider to determine if payment arrangements can be made or speak to charitable organisations to determine if they can help. Taking out a loan isn’t something that should be done without careful consideration, regardless if it is for a small amount or a large one.
  • Establish a budget to ensure repayment obligations can be met. Many individuals fail to take this step, only to find they have financial problems again in a short period of time. A budget helps to prevent this and ensures the consumer can make payments as agreed.

When A Loan Is The Right Move

Individuals often question whether it is right 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 lenders 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 should be obtained to pay for the repairs if the person cannot. The reason for this is the individual needs the funds from the job to pay for not only the car, but other obligations. This is a situation where a short term loan can be of help. In contrast, a person shouldn’t borrow money for an unplanned vacation simply because they can get a good deal. The vacation will end up costing a whole lot more in this situation. The same is true for concert tickets and other luxuries that aren’t essential. Borrowers need to recognize the difference between items they want and items they need and only borrow for essentials. Doing so ensures a person doesn’t get in over their head.

Why MoneyBoat.Co.UK?

Consumers in the United Kingdom turn to MoneyBoat when they find they need cash in a short period of time, as we are known for providing affordable and responsible borrowing options. Our charges and repayments are easy to understand, and we’ve streamlined the borrowing process to make it easy for you to get the funds you need in a timely manner. We offer a variety of options, so you aren’t forced to take a loan that does not mean your needs, and every application that comes to us is subject to affordability and credit checks, as we don’t want our customers to get in over their head.

The loan underwriting staff members are friendly, discreet and professional and remain available between 8:30AM and 5:30pm on weekdays to assist clients with their loan needs. Customer service remains our top priority, and we cap loans at £800 for new clients and £1,500 for those who have used our services before. Our service is personal, transparent and discreet in terms of both lending and collections, and we clearly explain our charges to ensure consumers understand what they are agreeing to before accepting any money.

The minimum term for our loans is two instalments and no borrower can take out a loan for more than six months. The instalment duration for the first payment is five days, and consumers may pay their loan back early without fear of being penalised or made to pay fees. As there is no broker or middleman, consumers always know who to contact with any issues, and we offer a flat interest rate of 0.7 percent per day, less than many lenders providing short term funds today.

Before obtaining a payday loan or any loan, ensure you have the resources to pay it back without going further into debt. Everyone has unexpected expenses arise. It’s how they handle these expenses that dictate what happens in the future. Take the time to ensure that you can pay the loan and meet other expenses without being short once again. Set up a plan to ensure problems such as this don’t happen in the future, such as establishing an emergency fund and a budget to meet expected expenses when they come due. By taking simple steps such as this, you can obtain a loan, pay it back on time and move forward with life. Responsible borrowing is the key, with payday loans being only one of several options, but one that many benefit from. Short term loans or instalment loans may be better for others. Contact us today if you find you are short on funds, as we’ll be happy to help you find the solution that is right for you. are a friendly and considerate short term loans lender. Our goal is to rewrite the industry wrongs by providing responsible and affordable short term loans, with quality customer service & consideration. Our short term loans are geared to fill a short term financial gap. They are designed to be paid back over several paydays, thereby reducing the impact of each repayment.

We endeavour to always put our customers first. Whether we are lending or collecting, the lines of communication are open and we will always try to provide quick and helpful responses to your queries. Please see our Short Term Loans page for further information about short term loans and our FAQ’s for general information.

Understanding the differences between different loan types, is an important first step when making a decision to borrow money. Short term loans and payday loans are names sometimes used to refer to the same thing. It is important to understand that a typical payday loan is usually required to be repaid on a one month, one payment basis. Unless borrowed with care and awareness, this type of loan can put a borrower into further financial strain.

Short term loans on the other hand, although they may be a more expensive option, are paid back in smaller more manageable repayments. In the case of an unexpected emergency, this allows customer the breathing space they need to recover, and without the pressure to pay their entire loan back with their next pay cheque.

Our short term loans are a payday loan alternative, but with the flexibility and control you want.

Although the payday loan industry has received very strong negative press in the recent past, there remains a strong demand for access to short term loans by the general public. Payday UK loans are not a suitable long term borrowing solution and need to be borrowed and lent responsibly in all cases.

Payday loans are defined by the repayment terms related to this type of loan. Payday loans are typically repaid on the borrowers next pay date. This can in some cases be a very short time, as little as a few days or as much as a calendar month. Where short term loans & instalment loans differ from regular payday loans is specifically in the way that short term loans are divided over several paydays, or instalments.

The total interest paid back may be more than the cost of a single repayment payday loan. Nonetheless, a responsible borrow may decide that by dividing the payments up over multiple repayments and a longer period, the repayment amounts become a lot more manageable and affordable.

The purpose of this is to provide the short term cash flow relief required, while avoiding a relapse into financial strain as soon as the loan is repaid. You can learn more on our Payday Loans information page. offer short term loans & instalment payday loans, over a minimum duration of 2 instalments and over a maximum period of 6 months. Amounts of between £200 and £800 are available to new customers and up to £1500 for previous customers.


An instalment loan is designed to be paid back in flexible and affordable instalments. Instalment loans are usually synonymous with short term loans. They are paid back over multiple instalments, usually on the borrowers monthly or weekly pay date. In that way they are often considered a better alternative to payday loans. are a responsible and affordable instalment loans direct lender. All applicants are required to pass our credit and affordability checks before they are approved for a short term loan. We have partnered with CallCredit as our credit review bureau and use our own in-house underwriting procedures, ensuring that each customer gets a short term loan thats affordable, responsible and best suited for their circumstances.

We are focussed on customer service and endeavour to give personal attention to each and every single one of our customers. We use cutting edge technology to make the application, underwriting and agreement signing process as smooth and straight forward as possible while still maintaining a human touch and an extra measure of personal attention.

You can apply for an instalment loan with Money Boat by clicking Apply Now!