3 Month Loans from £200 to £1500

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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

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

Representative Example: Borrow £400 for 4 months, four monthly repayments of £149.37. Total repayment £597.48, interest rate p.a. (fixed) 255.5%. Representative APR 939.5%. Compare Moneyboat loans.

Moneyboat’s Service Is Rated: Excellent

3 Month Loans from Moneyboat.co.uk

Taking out a 3 month loan can help you manage an immediate financial problem, such as an urgent vehicle repair or broken boiler. With so many UK loan providers for customers to choose from, it’s important to compare products to find the best solution for you. At Moneyboat, our quick and easy application process will help you get back on your feet. Apply today and see for yourself!


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Why choose Moneyboat for a 3 month loan?


As an FCA authorised lender, our 3 month loans are provided promptly upon approval and have no hidden fees, helping you meet an unexpected expense fast. Our commitment to responsible lending means that our repayment plans are personalised and affordable, making it easy to keep on top of your finances. Some further advantages of choosing Moneyboat are:

 ✔ Low Interest Rates: Most lenders charge the industry maximum of 0.8% interest per day, which is the maximum interest charge authorised by the FCA. At Moneyboat, we charge just 0.7% per day, totalling 21% over 30 days. Lower interest rates mean that our loans are often more manageable than other credit options.

 ✔  Lend Directly: We aren’t brokers, meaning you manage your loan directly with our UK-based team. This avoids you having to go through intermediaries and means we don’t have to pay middlemen, helping us keep our lending costs down and keep you in the know.

✔ Flexible Repayments: Our flexible monthly repayments mean that you pay a portion of the loan and interest in affordable instalments, helping you keep track of your expenses. You can also make an early repayment at no additional charge at any point. New customers can borrow from £200 to £800. Loans are repayable over a minimum term of 2 instalments and a maximum of six 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.

✔ No Guarantor Needed: Our online application process is free and customers don’t need a guarantor to apply. We automatically assess your individual requirements to provide an affordable loan solution that’s right for you. We lend directly, meaning you’ll receive an instant loan decision regardless of whether you have a guarantor.

What is a 3 month loan?

A 3 month loan is credit provided over a fixed short-term period. They are designed to be repaid in equal monthly instalments, including a fixed interest rate. They are usually for smaller amounts of money than a mortgage or long-term loan, typically between £200 and £800, or £1,500 for returning customers. These loans can be a manageable alternative for those who need to meet an unexpected expense and are looking to spread the cost of borrowing.

How do I apply for a 3 month loan?

Our simple 3 month loan online application form takes just a few minutes to complete and the funds will usually be provided quickly upon approval. If your application and credit check is successful, you’ll be sent a loan agreement via email. Signing this confirms that you agree to our lending terms and are ready to receive the cash directly into your account.

What are the benefits of a 3 month loan?

A 3 month loan is often a more manageable alternative to other forms of lending and can help you protect your credit rating from unauthorised overdrafts or outstanding credit card fees. They can be a useful solution for a temporary financial shortfall, or to meet an unexpected expense. Our friendly UK-based team are on hand to answer any queries you may have to ensure you’re well informed at all times.

How much will a 3 month loan cost?

Before applying for a loan, it’s important to evaluate your financial situation to ensure you can comfortably meet the monthly repayments. Our interest rates are considerably lower than the maximum amount allowed by the FCA and we don’t charge any hidden fees. Throughout the loan period, all you’ll pay is the agreed repayment instalments and a fixed interest rate of 0.7% per day. You can make an early repayment without penalty and call us to postpone a payment if required.

Representative Example: based on the last working day of each month

Interest rate 255.5% pa (fixed) Representative 939.5% APR

Borrow £400
Payback period 4 months
Monthly repayments £149.37
Total £597.48

How do our loan repayments work?

Our 3 month loans are repaid in equal monthly instalments which include a fixed interest rate. The amount you’ll pay back each month depends on your loan and how quickly you repay it. If you miss an instalment or feel like you may struggle to meet the repayments, get in touch with our team to see if we can modify your agreement, subject to a new affordability assessment.

New customers can borrow from £200 to £800. Loans are repayable over a minimum term of two instalments (could be weekly or monthly, depending on the customer’s pay dates) and a maximum of six months, which means you don’t have to repay the entire balance of your loan on your next payday. The minimum duration for the first instalment is five days. Existing customers can borrow up to £1500, subject to passing our credit and affordability checks. We do not require full repayment in 60 days, however, customers may pay back their loans early with no penalties or fees.

Am I eligible for a 3 month loan?

Before applying for a 3 month loan from Moneyboat, it’s important to check that you meet our minimum lending requirements. To be eligible for a loan you must:

  • Hold a UK bank account and debit card
  • Be in full or part-time employment
  • Be at least 18 years old
  • Have a minimum NET pay of £1000 per month.

Application is free and approval is subject to a successful credit and affordability check.

Apply for a 3 month loan today

Apply today for a 3 month loan up to £800, or £1,500 for returning customers. As FCA authorised direct lenders, we consider all applications responsibly before making a decision. Apply today to get the funds you need, subject to approval.