24-hour loans
Looking for a 24-hour loan to help cover an unexpected expense? Our short-term loans are fair, flexible, and easy to apply for. As a new customer, you could receive between £200 to £800 without hassle or delay.
Representative Example: Borrow £400 for 4 months: 3 monthly repayments of £156.09 followed by a final repayment of £156.07. Total repayment £624.34. Interest rate p.a. (fixed) 288.35%. Representative 1,267.9% APR.
Compare Moneyboat loans.
Warning: Late repayments can cause you serious money problems. For help, go to www.moneyhelper.org.uk.
Receive funds within 24 hours with our flexible short-term loans
A 24-hour payday loan is funding that’s designed to help you with unforeseen, emergency expenses and could be deposited into your bank account within 24 hours of applying online.
Feeling unable to pay for unexpected costs before payday is more common than you might think. For instance, in our recent survey of 1,000 people, 73% said that they struggle to save due to the rising cost of living, with 63% having applied for credit in the past couple of years.
Moneyboat offers a tailored, flexible loan at competitive interest rates, where new customers can borrow from £200 to £800.
Warning: Late repayments can cause you serious money problems. For help, go to www.moneyhelper.org.uk.
Representative Example: Borrow £400 for 4 months: 3 monthly repayments of £156.09 followed by a final repayment of £156.07. Total repayment £624.34. Interest rate p.a. (fixed) 288.35%. Representative 1,267.9% APR.
Compare Moneyboat loans.
Simple
Apply for a loan hassle-free with an easy application process.
Direct
Get the money you need sent directly to your bank.
Fast
Funding can be released to our approved customers within 15 minutes.*
Reliable
Free application process with transparent borrowing charges.
What is a 24-hour loan?
The term ‘24-hour payday loan’ can mean a few different things. It could mean that you might get the loan within 24 hours of applying for it, or that you can apply for the loan at any time of day from a 24/7 loan company. It could also mean that you can pay back the loan within 24 hours of receiving it.
At Moneyboat, you can apply for a short-term loan that could be deposited into your bank account within 24 hours of submitting a successful application. You can then pay it back in flexible instalments over two to six months or in full when you’re next paid.
Get loans in 24 hours with zero fees
When a surprise expense arises, such as a broken boiler or unexpected car repair, a 24-hour loan can sometimes help you out.
Here at Moneyboat, we provide a short-term loan that could see the cash you need arrive in your account the same day. Following our easy online process, you’ll usually get a same-day decision about whether your application has been accepted. After final approval, the cash could be transferred to your bank in as little as 15 minutes.
While the process is often quick and straightforward, we can’t always guarantee that you’ll receive the loan in 24 hours. This is because we carry out thorough credit and affordability checks to ensure each applicant is a good fit for the product.
We have a duty to all customers to make sure they only borrow money that they can afford to pay back.
- Moneyboat is authorised and regulated by the Financial Conduct Authority (FCA)
- We are UK Direct Lenders
- Loans are free to apply
- We release funding to our customers every 15 minutes
- Our smart approval process means that decisions are never just based on a credit check
Trusted direct lender
As a direct lender, we offer short-term loans to our customers without involving any brokers.
Multiple borrowing options
Approved new customers could borrow £200 to £800, and existing customers could borrow up to £1,500 upon passing credit and affordability checks.
No guarantor needed
You don't need a guarantor to apply for our short-term loans, as we provide an affordable solution based on your financial requirements.
Friendly advisors
Our experienced team is here to help you with any questions you may have throughout the application process.
Moneyboat's service is rated Excellent
How to apply for a 24-hour loan with Moneyboat
When you apply for a short-term loan with us, you could receive funds within 24 hours. Follow the steps below to apply:
- Click ‘Apply now’ and fill in our free and easy, online application form
- We'll then carry out credit and affordability checks
- Sign your loan agreement sent to your email, subject to approval
- Receive your cash directly into your UK bank account
24-hour loan advantages
Applying for 24-hour loans is quick, easy, and can be done online. Once you’re approved, funds can arrive in your account within hours or minutes of approval.
With our short-term loans, repayments can be spread over several instalments to suit you. You can borrow between £200 and £800 as a new customer, and up to £1,500 as an existing customer.
We also consider lending to people who may have been rejected for bank loans and credit cards in the past, provided they meet our lending criteria.
Read more about our minimum lending requirements before starting an application with us.
24-hour loan considerations
A 24-hour loan can be convenient and relatively easy to get. As a result, they are also more expensive than some other types of credit.
Interest rates can be high, and charges and fees are often added for a late payment.
24-hour payday loan lenders also tend to offer smaller loan values than banks and other personal loan providers who allow repayment over a longer period. Therefore, quick loans might not be suitable for you if you need to access more than £1,500.
Where can I get free financial advice in the UK?
If you’re struggling with your finances, it’s important to consider whether borrowing more money is the right option for you right now. There are various third-party support organisations available that offer free financial advice to help you make an informed decision.
Reach out to the following FCA-authorised organisations for confidential guidance:
- MoneyHelper: Government service offering free financial advice by chat, WhatsApp or phone
- National Debtline: Free and independent debt advice by phone or chat
- StepChange: Free debt advice by app or phone
- Citizens Advice: Free debt and financial advice by phone
- Shelter: Free advice on debt, housing and healthcare by phone and chat
How can I make a complaint?
Please take a look at our Complaints Procedure page or contact our friendly customer support by mail or phone.
Representative Example
Based on the last working day of each month
Interest rate 288.35% pa (fixed) Representative 1,267.9% APR
| Borrow | Payback Period | Monthly Repayments | Total |
|---|---|---|---|
| £400 | 4 months | £156.09 | £624.34 |
Warning: Late repayments can cause you serious money problems. For help, go to www.moneyhelper.org.uk.