Payday Loans from £200 to £1500

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Example Repayments
based on the last working day of each month

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 We are a direct lender     A flat interest rate of 0.7% per day     Discreet, safe & secure     A polite and friendly customer service crew

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

Payday Loans from

Are you looking for straightforward and affordable payday loans? Moneyboat offers a newer, tailored approach, allowing more flexibility and better interest rates than other online payday lenders.

Could an online payday loan help you?

Applying for a payday loan online may help you get the funds you need quickly when you’re faced with an unplanned expense or a temporary financial shortfall. With so many different providers in the UK for customers to choose from, it can be tricky finding the right option to help you get back on your feet. At Moneyboat, our application process is quick, transparent and straightforward. Apply today and see for yourself!


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Why choose Moneyboat for your payday loan?

As an FCA Authorised lender, we pride ourselves on our ability to approve payday loans responsibly and help clear repayments quickly with flexible repayment plans. We were also recently nominated for the Responsible Lender of the Year Credit Award in recognition of our fair credit assessment process. Some additional advantages of choosing Moneyboat are:

Quick Application: Our application process is quick and easy. Simply fill in the online application form and our team will automatically assess your request against our responsible lending criteria.

Flexible Repayments: We lend directly and offer flexible online loans to fit individual needs. Our flexible repayment plans allow applicants to choose the amount they need to borrow and select how many manageable instalments they can make over the loan period.

No Guarantor Needed: No guarantor is required to apply for a payday loan online with Moneyboat. As responsible lenders, we assess your personal financial requirements to provide an affordable loan solution to suit your individual needs.

No Hidden Fees: Our application process is free with no hidden fees. There are no other borrowing charges applied to your loan when paid on time, aside from the interest and you can repay your loan early with no penalty.

Friendly UK Based Team: Our experienced support team are happy to handle any enquiries applicants may have. All applications are confidential in compliance with GDPR requirements.

Representative Example: based on the last working day of each month

Interest rate 255.5% pa (fixed) Representative 939.5% APR

Borrow £400
Payback period 4 months
Monthly repayments £149.37
Total £597.48

What is a payday loan?

Payday loans are a small cash allowance designed to tide you over until you receive your next wage. They are typically approved on the same day of application and are repaid in manageable instalments with a fixed interest rate. They are often for small amounts up to £1,500 and are best used to meet a one-off unexpected expense or rectify a temporary financial shortfall before payday.  

How to apply for a payday loan with Moneyboat

Applying for a payday loan online with Moneyboat couldn’t be more straightforward. Our UK-based team process applications during weekday hours and assess your request against our responsible lending criteria. Just fill in our online application form and our team will send you a loan agreement via email following a comprehensive credit check and approval. Once you’ve agreed to our lending terms, the funds will be deposited directly into your bank account.  

Will I be guaranteed approval for a payday loan from Moneyboat?

We pride ourselves on our responsible lending guidelines and therefore we cannot guarantee that your application will be approved. Each request is assessed by an automated system to determine whether applicants will be able to meet the repayments over the proposed loan period, helping us reach the right decision quickly.  

Lending Criteria

As an FCA authorised lender, we ensure we lend responsibly from start to finish. To avoid disappointment, take a look at our minimum lending requirements before beginning your online application:

You must be at least 18 years old

You must be in full or part-time employment

You must receive a minimum NET pay of £1000 per month

You must be a holder of a UK bank account and debit card

How do our loan repayments work?

Our repayment plans are flexible and applicants can choose how many manageable instalments they want to make over the payday loan period. New customers can apply for a loan up to £800, while returning customers can borrow up to £1500. Our loans are designed to fit around your individual requirements and can be repaid over a period of up to six months.

Repay early at any time

You can repay your loan early at any time with no extra fee or penalty. Paying your loan off early allows you to save the amount you would have been putting towards the interest, which may make your month-to-month finances easier to manage.  

Things to consider before you apply

Before applying for a payday loan online, it is important to compare the different credit options available to ensure you’re selecting the right one for you. Payday loans aren’t the cheapest option available, but they are helpful when you’re low on cash and need funds quickly. However, you need to evaluate your current financial situation and ensure you can afford the repayments before making a decision.

What should payday loans be used for?

Payday loans are best used for one-off situations between wages, such as an unexpected bill or necessary appliance repairs. For more long-term financial difficulties, you may be better checking out other credit options such as a bank or guarantor loan.

How to choose the best payday loan

When looking for a payday loan online, it is important to do your research and compare different deals to choose the best arrangement for you. You should compare interest rates, check for hidden fees and ensure you can afford the repayments. Before applying, it is important to make sure that the lender is on the FCA Register.

What if my financial circumstances change?

If your financial circumstances change, don’t worry – we’re here to help. Our team can offer support and guidance to help you get back on track. It is important to remember that a payday loan is not a suitable solution for long-term financial difficulty. If you are struggling to make repayments, contact us directly.


Lend Directly - We are not a broker

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


Easy Application Process

We have made our online application process as easy as possible, allowing 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.


Payday 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 team today to see if an online payday loan is the best option for you.

Moneyboat’s Service Is Rated: Excellent | 9.5/10

Apply for a payday loan today

If you’re looking for a payday loan, Moneyboat are here to help. We consider all applications for loans up to £1,500 and provide funds quickly upon approval.