To be eligible for a Moneyboat short-term loan, you’ll need to meet our following minimum criteria:

  • 18+
  • Regular income of £1,000 or more
  • UK resident with UK bank account

So long as you meet those requirements, we then review every application on its own merits. Your credit score is only part of the picture. We carry out full affordability checks, looking at different aspects of your situation before making a decision.

(Last reviewed on 15 October 2025)

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