Moneyboat 3 month loans

How much do you want to borrow?

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

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

Moneyboat's service is rated Excellent

3-Month loans that are flexible and fair

Are you looking for straightforward and affordable 3 month loans? We offer a tailored loan approach, allowing more flexibility and better interest rates than other online payday lenders. 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. This 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 £1,500, 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 for a maximum of six months.

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

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

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3 Month loans from Moneyboat

Taking out a 3 month loan can help you manage an immediate financial problem, such as an urgent vehicle repair or a 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 Moneyboat?

    • Fully authorised and regulated
    • UK Direct Lenders
    • Monthly repayments
    • Apply for free
    • Smart approval
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    How Moneyboat works

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

    Why choose Moneyboat for a 3 month loan?

    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

      Many 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.

    • 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.

    3 Month loans from a direct lender


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    We lend directly, we’re not a broker

    Unlike UK brokers who aren’t lenders themselves, we’re an official direct lender of payday loans. This means that we provide the money you need directly to your bank, rather than passing your details on to a third party.

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      Easy application process

      We have made our online application loan application process as easy as possible, allowing credit applicants to understand everything from start to finish. It also means that we don’t ask any unnecessary or complicated questions to confuse the process.

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        3 month loans for unexpected costs

        No one expects to be caught short financially and sometimes a loan before payday can help tide you over until you get back on your feet. Talk to our friendly loans team today to see if an online payday loan is the best option for you.


          3-month loan FAQs

          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.

          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.

          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.

          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.

          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 team are on hand to answer any queries you may have to ensure you’re well informed at all times.

          New customers can borrow from £200 to £800. Instant 3 month loans are repayable over a minimum term of two instalments (could be weekly or monthly, depending on the date of the borrower’s payday) and a maximum of six months. This means that if you take out one of our loans, 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 £1,500, subject to passing our credit and affordability checks. We do not require full repayment of our loans in 60 days, but customers may pay back their loans early with no penalties or fees. The interest charged on our loans is 0.7% per day (representative APR 939.5%) and is only calculated on the outstanding capital balance at any given time.