Minimum Lending Requirements

As an authorised and regulated direct lender, we value responsible lending from start to finish. Take a look at our minimum requirements before you begin your online application.


  • Full or Part Time Employment
  • A minimum NET pay of £1000 per month
  • Holder of a UK bank account & debit card
  • At least 18 years old

About our Loans

As a leading UK direct lender we are passionate about helping our customers. We strive to make your personal lending experience completely hassle free and secure. On top of that, our UK based service team are understanding, discrete & ready to help you. See some of the reasons why people like you may consider a short term loan today.

Short Term Solutions

We offer online credit solutions with a flexible short term repayment schedule. You will receive clear notifications for all upcoming payments every step of the way. All of our short term loans are debited using simple, automated debit card processing.

Payday vs. Instalment

Our Instalment loans are often considered as an online payday loans alternative. Instalment loans provide a specialised approach to lending, often allowing our customers to branch out beyond the traditional payday constrictions in a more affordable way.

Emergency Situations

Moneyboat’s loans are often used as a solution for customers in a crisis. Whether for unexpected bills, medical care, car breakdown or emergency travel, we are here to help to ensure that you can meet your emergency need on time.

Ready to get started?