Short Term Loans from £200 to £1500

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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.

Moneyboat’s Service Is Rated Excellent

Applying for a short term loan can help you get the money you need to deal with an unplanned expense when there’s still a while until payday, helping you to get back on your financial feet. With so many different loan providers for customers in the UK to choose from, it can be difficult finding the right option for you. At Moneyboat, we are able to provide our short term loans direct, without the need for a broker, and our application process is simple and straightforward. Apply today and see for yourself!

Why choose MoneyBoat for a short term loan?

As an FCA Authorised lender, our short term loans are designed to be provided rapidly upon approval and can clear debts quickly with regular repayments. We offer an alternative to payday loans, with greater levels of repayment flexibility. Some additional benefits of choosing Moneyboat are:

✔ Lower Interest Rates

While most short term loan lenders charge the industry maximum of 0.8% interest per day, we charge just 0.7%. This amounts to 21% over 30 days, which is less than the maximum interest charge allowed by the FCA. This means that our credit repayments cost less than those of other lenders who apply higher interest rates, making our loans and repayment plans much more affordable and manageable over a short term period.

✔ Payment in just 15 minutes

Once a loan application is approved, the money can be in your bank account quickly and efficiently. We process applications between 8am and 5pm weekdays and activate funding every 15 minutes. We will let you know if you’ve been approved shortly after you make your application, giving you the peace of mind that your much-needed funds are on the way, taking the pressure off payday.

✔ Lend Directly

Moneyboat aren’t brokers, meaning you can borrow directly and manage your loan entirely with us. This means you don’t have to go through credit intermediaries and we don’t need to pay any middlemen, helping us work to keep our loan costs down.

✔ Flexible credit repayment plans

We are based exclusively online and offer flexible loans and repayment terms to suit individual needs. Applicants can choose how much money they want to borrow and pay back, from £200 to £800 for first-time customers or £1,500 for returning customers available and select how many repayments they’d like to make over the loan period.


✔ Friendly UK Based Support

Our UK support team are on hand to handle any enquiries our customers may have for us and we are always happy to help. All applications are confidential in compliance with GDPR requirements.


✔ No Hidden Fees

The application process is free with no additional admin fees. Once you have been approved there are no other borrowing charges applied to your loan other than the interest rate. You can repay your loan early at no extra charge or fee.

What are short term loans?

Short term loans are cash allowances that are scheduled to be repaid within 6 months. They are usually for smaller amounts than mortgages and can be approved on the same day of application. Short term loan repayments are made in manageable instalments within the contract period and include a fixed interest rate, included in our terms. They could be used to meet an unexpected cost, provide funds before payday or cover emergency appliance repairs.

What are short term loans?

Short term loans are cash allowances that are scheduled to be repaid within 6 months. They are usually for smaller amounts than mortgages and can be approved on the same day of application. Short term loan repayments are made in manageable instalments within the contract period and include a fixed interest rate, included in our terms. They could be used to meet an unexpected cost, provide funds before payday or cover emergency appliance repairs.

We provide short term loans for a wide range of purposes

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

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

Amount Borrowed £400
Payback period 4 months
Monthly repayments £149.37
Total £597.48

How to apply for short term loans with Moneyboat

If you are considering applying for a short term loan, we may be able to help. Our friendly UK-based team process loan applications during weekday hours and can offer personal and confidential customer support if required.

Complete our free and easy short term loans online application form.

Our short term loans team will automatically assess your application against our lending criteria and carry out a comprehensive credit check to check you can meet the required payment plan.

You will be sent a loan agreement based on approval via email. Sign this credit agreement and send it back to agree to our lending terms.

Receive your cash as a credit directly into your UK bank account. Funds are usually deposited quickly and could reach your account within 24 hours when applications are made during working hours.

Will I be guaranteed approval for a short term loan from Moneyboat?

While we pride ourselves on offering flexible loan agreements over a short term period, we cannot guarantee that every applicant will be approved. Check that you meet our minimum short term loans requirements prior to application to avoid disappointment. Our decision will be based on whether we feel you can make the required payment when the instalments are due.

Can I get a loan with no guarantor?

Yes – no guarantor is required to apply for one of our short term loans online with Moneyboat. Regardless of the amount you are borrowing, our priority is taking into account your individual financial needs in order to provide a personalised and affordable loan solution and repayment schedule.

How do our loan repayments work?

New customers can borrow from £200 to £800. Loans are repayable over a minimum term of two instalments (could be weekly or monthly, depending on the customer’s pay dates) and a maximum of six months, which means you don’t have to repay the entire balance of your loan on your next payday. The minimum duration for the first instalment is five days. Existing customers can borrow up to £1500, subject to passing our credit and affordability checks. We do not require full repayment in 60 days, however, customers may pay back their loans early with no penalties or fees.

What are the benefits of short term loans?

Short term credit arrangements, such as payday loans and short term loans, may help you in a financial emergency or meet an unexpected expense. They can be used to avoid charges for things like void cheques, unauthorised bank overdrafts and credit card fees, helping you protect your credit rating. Our credit applications can be approved in a few hours and repayments can be personalised to suit your individual requirements.

What can short term loans be used for?

While there is no fixed purpose for a loan, there are a number of different applications that the money may be useful for. A short term loan can work to help borrowers get out of a difficult financial position in the short term, or pay for an unexpected expense. Some of the common uses include:


Debt Consolidation

Having a number of outstanding debts can be overwhelming and stressful for many people. Consolidating a number of existing debts and repayment schedules into a more manageable lump sum through us can reduce the financial burden of your credit and help you get back on your feet before payday. A loan can be used to pay off a number of smaller debts, with repayments only required for the one loan thereafter.


Unforeseen Repairs

Many people do not have the money set aside to deal with unforeseen repairs, such as a boiler breakdown, oven malfunction or vehicle damage. If your car, oven or boiler is an immediate necessity and you need it fixed quickly, short term lending can provide the money you need to get the required repairs done without having to wait until your next payday. Unlike some payday lenders, we offer more flexible repayment terms to enable us to help a large number of borrowers who could never afford to cover unexpected costs before payday, but without adding to their debt problems.


Additional Expenses

We all have months where we find ourselves paying out more money than usual. If you cannot afford to meet these extra expenses but are sure you can afford repayments, a loan may be the best solution over a short term period. A flexible payment schedule can help you to meet repayment responsibilities over a number of months.


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

What if my circumstances change?

If your circumstances change and you are struggling to make repayments under your current credit terms, let a member of our team know. We will do everything we can to help you get your payments back on track but it is important to remember that short term lending, such as payday loans, is not a suitable mode of credit to provide a long term financial solution. If you are experiencing financial difficulties, contact us directly and seek advice from a free and impartial organisation if you feel you need to.

How to compare short term loans

When looking to apply for a short term loan online, it is important to do your research and compare different credit deals and products to get the best arrangement for your circumstances. Some steps you can take to ensure this include:

✔ Compare interest rates

✔ Compare different loan products and credit terms available

✔ Check for hidden fees 

✔ Check the lender’s repayment terms and the mode of payment required

✔ Ensure you can afford the repayments

✔  Check that the lender is on the FCA Register


Are short term loans safe?

Before applying for a loan, you need to evaluate your current financial situation and make sure that you can afford the required repayments. It is important to us that we make sure you are borrowing from a Financial Conduct Authority approved and regulated lender like Moneyboat to ensure you get a fair deal. Never consider making a credit application with an unauthorised lender or broker.

Short term loans are not a suitable credit solution to a long-term financial problem and you need to make sure that you educate yourself about the alternatives before applying.

Apply for a Short Term Loan Today

Apply today for a short term loan online of up to £800 or £1,500 for returning customers. We are an FCA Authorised direct lender of short term loans and consider all applications.