Payday Loans Online Alternative

A payday loans online alternative provides you with a tailored option which allows you to branch out beyond traditional payday loan products.
Acquiring an alternative product which takes care of your short term needs, with longer term repayments allows you to repay in a much more flexible manner.
Rather than having to look on the high street at generic lenders, a payday loan online alternative from MoneyBoat removes the stress involved with traditional short term products.

MoneyBoat are authorised and regulated by the FCA

We are your flexible payday lender for loans of up to £1,500 and our products provide customers with an increased degree of flexibility when it comes to repayments.

Our Flexible Approach

Our more flexible approach to lending via our payday loans online alternative, means that if you require a bit longer to repay your payday loan, you can simply apply for up to 6 repayments. This way, you are less likely to be squeezed in the way traditional one month loans cause.

Responsible Lenders

Because we are a responsible lender, we do not lend more than you can repay in your circumstances, helping you avoid a spiral of debt.

Apply Today

Apply today for a loan of up to £800 with MoneyBoat. Return Customers are eligible to apply for up to £1500.


Representative Example:

Interest rate 255.5% pa (fixed)

Representative 939.5% APR

Payback period4 months
Monthly repayments£144.94
Moneyboat’s Service Is Rated Excellent | 9.6/10

How a Flexible Payday Loan Works

Typically, payday loans are designed for very short term circumstances and repayments, usually needing to be fully repaid within around 30 days or even less, making them by their very nature, truly inflexible. Our flexible payday loans though are designed to fit around your life, needs and requirements and can be repaid over 10 days to 6 months as you require.

Therefore, no matter your specific financial circumstances, you are very likely to be able to find a way in which a MoneyBoat loan can truly work with you, in a way simply not offered by most other lenders.

However, our product remains classified as a payday loan; possible to be repaid over the traditionally utilised period for these kinds of loans should you desire, adding to the flexibility of our loans.

Helping Make Repayments Easier

Because of the flexibility offered with all of our loans, should you wish to repay early, you are not penalised. This means that it is possible to take out one of our loans for a period of 6 months but repay it within a much shorter time frame. Making our loans this flexible also allows you to sleep easy, in the knowledge that you have a longer time in which to repay an otherwise very short term product.


This is also one of the ways in which we promote responsible lending and borrowing of loans, as early repayments can have a positive impact on your credit rating, making you a more appealing prospect for short term lenders in the future.

More Flexible Than Traditional Online Payday Loans

Part of what makes a MoneyBoat loan more flexible and easier to manage than many others is our lower interest rates. We don’t charge the online payday loans industry maximum of 0.8% interest per day.

Rather, we charge 0.7% which amounts to financial savings and lower repayment amounts over the course of your loan, making it more manageable and easier to repay. This is because we value our customers and aim to help get you out of a spiral of debt, if not avoiding it altogether.

Furthermore, if you are struggling to repay your payday loan, we do not simply chase you and ask you for the money regardless. Our team are experienced professionals and are able to work with you to help you set up a financial repayment plan to help get you back on track as soon as possible, which are one of many benefits of taking out a MoneyBoat loan.


A Clear and Open Approach

Unlike various other providers of payday loan products, who are not lenders themselves, we are a direct lender offering loans up to £1,500. This means that we provide the finances you need, instead of just passing on your details to a third party.

Easy Application Process

We have made our application process as easy as possible. This allows applicants and customers to understand everything from start to finish. It also means that we do not ask unnecessary or overly complicated questions as part of our process.

Lower Interest Rates

Our daily interest rates are 0.7%, rather than the maximum of 0.8% charged by various other lenders. This makes your overall repayments easier and more manageable, saving you money.

Helping You Develop Positive Financial Habits

Spreading out your repayments over a more manageable timeframe not only means more manageable repayment amounts for payday loans. It also means that by virtue of repaying consistently, you are likely to develop positive financial and spending habits, becoming accustomed to managing your money that bit better than you may otherwise have. Moreover, our repayment plans are designed to be as affordable as possible.

A New Approach to Payday Loans

Many lenders exclude entire categories of prospective borrowers. For example, many short term lenders will not lend to applicants who have County Court Judgements (CCJs) and other blemishes on their credit history. MoneyBoat however, considers each and every customer on their individual merit and we therefore consider every applicant for a suitable loan.

We do not believe that your financial past should necessarily dictate your future. It may be the case that you simply need that bit extra to tide you over for a short period of time, getting you back on track and on your feet for the future.

We therefore do not apply rigidly uniform requirements which exclude borrowers immediately. Our loans are designed specifically to help get you through what may be a tough time and therefore, our UK based team are always on hand to help alleviate your concerns and answer your questions.

Short Term Payday Loan Alternative

Apply today for a short term payday loan alternative, designed to help get you back on your financial feet. We consider all applications for our flexible loans of up to £1,500. Apply today to get back up and running for the future ahead.

We are open: Weekdays 8AM – 5:30PM


call: 0203 818 7470

34 The Mall, High Street, Bromley, BR1 1TS, England


text: 07533 023 333