Payday Loans – Fast and Flexible


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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.

Payday Loans Online

Payday loans online from MoneyBoat provide you with a tailored option which allows you to branch out beyond traditional online payday loan products. Acquiring an online payday loan 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 offering typical short term loans, payday loans online from MoneyBoat remove the stress involved with traditional short term products.

MoneyBoat are authorised and regulated by the FCA

We area 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 through our payday loans online, 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 you to become.

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 payday 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

How Payday Loans Work With MoneyBoat

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 loan products however, 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.

Making Payday 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 payday loans this flexible also allows you to sleep easy, in the knowledge that you have a longer time in which to repay your payday loan online which may from other lenders be 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 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 | 9.6/10

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