Payday Loans Done Differently

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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

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

Representative Example: Borrow £400 for 4 months, four monthly repayments of £197.48. Total repayment £597.48, interest rate p.a. (fixed) 255.5%. Representative APR 939.5%. Compare Moneyboat loans.


Moneyboat Payday Loans

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


In this day and age, acquiring a loan which takes care of your short term needs but has longer repayment terms, can help you repay your debt in a much more flexible way. Rather than having to look on the high street at generic lenders offering typical short term loans with interest rates often set at the industry maximum of 0.8%, it can be difficult to choose between the different loans available and things can start to get a little bit monotonous.  Payday loans from MoneyBoat however, can remove the stress involved with traditional short term products and with our lower interest rate, you may find yourself back on your feet sooner rather than later.


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How do I get a payday loan?

Moneyboat’s flexible payday loans are designed to fit around your life’s requirements and can be repaid over 10 days to 6 months.

Other lenders design their loans 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.

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.


Will a payday loan affect my credit score?

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.

Moneyboat promotes and encourages responsible lending and borrowing of loans. If you repay early, this can have a positive impact on your credit rating, making you a more appealing prospect for short term lenders in the future.

Learn more about how late repayments could affect your credit score.

How much does a payday loan cost?

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.

Loan repayments

If you are struggling to repay your payday loan, we do not simply chase you and ask you for the money regardless. Our team of experienced professionals are able to work with you to help you set up a financial repayment plan. Our aim is to help get you back on track as soon as possible. Use our payday loan calculator to find out whether a payday loan is right for you.


A Clear and Open Approach to Lending

Unlike various other providers of payday loan products, who are not lenders themselves, we are a direct lender of payday loans 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 payday lenders. This makes your overall repayments easier and more manageable, saving you money.

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

Developing 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 beyond a payday loan, helping you become 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 payday 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 Loans Online

Apply today for a short term payday loan, 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