Money Genius

Everyone experiences being short of cash at some point and if you’re in need of funds to meet an unexpected expense, you may be considering taking out a loan. But not only is it important to fully understand the emotional and financial implications of taking out a...

Often the hardest thing about saving money is taking the first steps, whether it’s sticking to a budget, keeping track of expenses or committing to putting money aside each month. But did you know that you could be saving money by switching utility tariffs, opting for...

Moving house can be a stressful and overwhelming process, particularly if you need to move on a budget. Following the recent ban on letting fees, you might find yourself wondering how else you could save money when moving house. Although estate agent fees and stamp...

Attending a music festival can be a fantastic experience, but it can also become a bottomless pit of spending. Tickets, vendor meals, beer, tour merch, camping gear and travel costs all mount up over a weekend. According to the 2017 UK Festival Market Report, 22.4% of...

Everyone experiences a financial shortfall at some point, whether it’s due to an unexpected expense or an essential appliance breakdown. There are multiple options when it comes to borrowing money to help you get back on your feet, such as credit card loans, payday...

Comparing loans can feel like a daunting task. It’s sometimes difficult to know where to start when so many options are available to you. Although the facts and figures presented by UK direct lenders can sometimes seem confusing, there are some fundamental factors to...

Did you know that most of us are using a completely incorrect definition of disposable income? We’re here to set the record straight. Many of us find that our household finances are increasingly stretched. Our disposable income seems to next-to-nothing and tight...

Moneyboat.co.uk are delighted to share the news that we’ve been shortlisted for Responsible Lender of the Year ahead of this year’s UK Credit Awards. The Responsible Lender Award nomination recognises Moneyboat’s commitment to offering competitively priced products...

As authorised and regulated direct lenders, one of our main goals is to lend responsibly while keeping our default rate as low as possible. At Moneyboat, we have a commitment to our customers to deliver affordable short-term loans on personalised instalment plans. We...

Taking out a loan is a significant financial commitment and should not be taken lightly. Loans are not a solution if you are struggling to pay essential costs like household bills, rent or mortgage payments, but they may be a helpful option for those looking for a...

What are text loans? Text loans are short-term, high-interest loans that are similar to payday loans. The difference is that borrowers can take out text loans through their mobile phones simply by texting the lender. Although we do not offer text loans at Moneyboat,...

Since the collapse of the Payday loans company, Wonga, in August 2018, the mounting compensation claims against them have risen almost four times the original amount. Following this, the Treasury select committee have called for better protection for customers....

When undertaking a new business venture, one of the first things you need to take into consideration is operating costs. But what about the price of being a caped crusader, a daring detective or a super spy? Our infographic breaks down the expenses of iconic pop...

Preparing for retirement is huge challenge. Deciding when to retire, whether to downsize and how to fill your time are all important considerations. But retirement also has the potential to be one of the most fulfilling times in life.

Virtually everyone faces the need to borrow money at some point. Think about it, when you purchase a home or vehicle, you’re doing so through a loan. Even financing a new washing machine and dryer generally requires some type of loan. Whether it’s through a credit...

Are you looking for a payday loan from a responsible lender? Or perhaps you have heard of payday loans and you’re wondering what it’s all about? Let’s take a step-by-step look at safe and responsible payday loans and see how Moneyboat UK could help. Moneyboat...

There are many different money saving hacks on the web. These tricks are fun, but learning how to build a budget is one of the best ways to spend time and save money. Budgeting is effective because it causes you to assess how much money you are earning and how you are...

The need for a little extra money has a way of hitting us hard when we least expect it and traditionally, payday doesn’t adjust itself to meet our unanticipated needs! When choosing between a direct lender or a broker – what should you watch out for?

Everyone is feeling the financial crunch these days. In June of 2016, the UK voted to withdraw from the European Union. Employees of every industry and sector are now experiencing the effects of that decision. Political turmoil and extremist threats here and abroad...

If you have bad credit, finding financial services can be a challenge. Conventional lenders such as banks and credit unions often require you to have good credit to borrow money, so what are your options for bad credit loans? Conventional lenders rarely offer quick...

Maybe you have been struggling to get out of debt for a while. Perhaps you have been living month to month, dreaming of the moment when you have some spare cash. Now the moment has arrived: you have finally saved £1,000! Now is the perfect time to translate your cash...

Nobody is perfect with money! And for a long time, I was far from perfect at handling my finances. But in the past couple of years, I have made strides to reduce my spending and increase my savings! Read on to hear the top 5 mistakes I made on my the journey to get my...

Paperless money transfers have become more and more prevalent over the past couple of decades. Replacing cash and cheque payments, cashless money transfers offer increased convenience and further ease for many employers and service providers. However, are paperless...

There are always small and effective ways in which to scrimp and save in your budget. Taking note of your expenses alone, will help you get your finances well on track, with everything clearly visible to you each month with regards to what you have and haven’t spent....

The British payday loans industry has grown immensely in the past decade, particularly between the years of 2006 and 2012. With the emergence of the short term lending industry, it is critical for industry consumers to understand their rights and entitlements as well...

If you are facing financial difficulties and going through challenging financial times, it is  of the utmost importance that it be addressed immediately. It may be the case that you need to consider taking out a short-term loan or perhaps a loan for bad credit to tide...

The Financial Services Compensation Scheme (FSCS) was founded in 2001 and acts as a form of deposit insurance for customers, savers and those banking with banks, building societies and other qualifying firms. Hence, if a firm or firm holding customers’ money becomes...

Unfortunately for many of us, at some point in our lives we find that we are presented with unexpected challenges. This may be financial hardship, health problems, social challenges or otherwise. It may be that one’s own health may decline, a loved one may become ill...

Whether you are looking to rent or sell a property you own, home improvements can impact what price your property can achieve when it goes to market. Renovating your property can be done to an extent though DIY or for more extensive and detailed work, via a...

An Individual Voluntary Agreement, also known as an IVA, is a legal agreement made between you and your creditors to repay your debts, and it is an alternative to declaring bankruptcy. While an IVA is a form of insolvency, it is different in several ways from...

Although they are often a very useful and timely financial tool, there are still various reasons why you may want to avoid taking out a payday loan in the first place. Perhaps this is due to the high interest rates they offer, or because you already have a number of...

  How to be productive working from home In the 21st century, more and more of us have the opportunity to work from home. With many employers allowing flexible working arrangements, it has never been easier and more realistic to work from the comfort of your home....

Starting a business venture is as exciting as it is challenging and from the outset, there are many factors for you to consider. However, perhaps the most important and the leading factor is the funding required to get the business off the ground in the first place....

Many people find themselves living on a budget, be that a high or a lower budget. Eating well and eating cheaply however, are often difficult to reconcile. However, with the right attitude and attention to detail, it can be done, with often, just a few simple changes...

If you are applying for a loan, mortgage, or any other form of credit, it is likely that one of the very first steps that will be taken by any you apply with, in order to determine whether to approve or decline your application is  looking at your credit history. This...

Are you looking to understand more about payday loans worldwide and how payday loans work around the world? Did you know that payday loans are offered on a short-term basis across the globe and not just in the UK? Payday loan products are often an easy, convenient and...

A County Court Judgement, also known as a CCJ is an order issued by the County Court for a debtor to pay back money to creditor. A creditor will apply for a CCJ in an effort to reclaim this money back, having been unable to collect the funds through other means. CCJs...

Debt management usually applies if you are struggling with paying back loans, mortgages, credit cards and other applications for credit that you have made. You may be tempted to take out further credit in order to pay off your outstanding debts, however this is not...

Underwriting refers to an important part of the loan application process, but what exactly does it mean and how does it work? Knowing what underwriting is; how it works in principle and its overall importance, can help you improve your financial circumstances and...

A CPA refers to a Continuous Payment Authority This is a type of regular payment that can be set up using your debit or credit card. A signed and agreed CPA gives a company permission to automatically deduct money from your account on a weekly or monthly basis. For...

If you are considering applying for a short-term loan, then MoneyBoat may be able to help you. We are a safe, transparent and flexible direct lender, offering short term loans at an interest rate of 0.7% a day as opposed to the more common 0.8% imposed by other...

If you are in need of money quickly, you may be looking at borrowing from friends or a family member to help you get through financial difficulty. There are a number of advantages to doing so, such as being more likely to receive a more flexible repayment time scale...

Looking for a job can be frustrating, particularly if your finances are a concern. If you are a UK citizen however, you may be eligible for job seekers allowance. This is an unemployment benefit awarded to people who are actively looking for a job. Here is what you...

In recent years, we have seen the cryptocurrency sector grow exponentially as well as the proliferation of digital banking alternatives like Monzo and Revolut, all increasingly calling into question the relevancy of coins, pound notes as well as bank branches....