Pay that surprise bill with our short-term loans
If you’re facing an unexpected household bill that stretches your funds too far, our short-term loans could help. Get sorted quickly and spread the cost of urgent bills with flexible loan repayments over 2 to 6 months.
Representative Example: Borrow £400 for 4 months: 3 monthly repayments of £156.09 followed by a final repayment of £156.07. Total repayment £624.34. Interest rate p.a. (fixed) 288.35%. Representative 1,267.9% APR.
Warning: Late repayments can cause you serious money problems. For help, go to www.moneyhelper.org.uk.
Borrow £200-£1,500
Spread over 2-6 months
Cash in 15 minutes*
Short-term loans to help cover urgent bills
Unexpected bills can often spring up without warning, leaving your finances feeling tight. If you need a financial buffer to help cover urgent bills, our loans could help provide temporary relief until your next payday arrives.
Urgent bills can be difficult to prepare for, especially if you have other commitments and repayments to consider. Whether it’s an unexpected energy bill, emergency plumbing or electrical costs, or a steep vet bill, our fair and flexible loans can help smooth over a short-term problem.
Our responsible lending practices mean that we check every application to make sure borrowers can affordably pay back the loan. You’ll have the option to spread the cost in manageable instalments over 2 to 6 months, or repay early in full anytime – whichever suits you best.
Moneyboat's service is rated Excellent
Transparent costs up front, no hidden fees
Weekly or monthly repayments
Bad credit loans available
How much will it cost?
Our flexible loans can offer a temporary top-up to help you stay on track with bills until your next funds arrive. Like other credit arrangements, you’ll pay back your loan plus interest. Here’s what to expect:
- Practical borrowing options: Borrow between £200 and £800 as a new customer – or up to £1,500 for returning customers
- Affordable repayments: Pay back your loan in flexible instalments over 2 to 6 months
- Clear and simple costs: Our daily interest rate is 0.79%
Representative example
Depending on the size of your loan and how long you wish to pay it off, here’s how much your Moneyboat loan could cost based on the last working day of the month:
Representative Example: Borrow £400 for 4 months: 3 monthly repayments of £156.09 followed by a final repayment of £156.07. Total repayment £624.34. Interest rate p.a. (fixed) 288.35%. Representative 1,267.9% APR.
| Borrow | Payback Period | Monthly Repayments | Total |
|---|---|---|---|
| £400 | 4 months | £156.09 | £624.34 |
Find out more about our financial promotions and Annual Percentage Rates (APR).
Warning: Late repayments can cause you serious money problems. For help, go to MoneyHelper.
How can I apply?
No matter where you are, we’re always on hand to help. Apply for a short-term loan to cover bills on any device, then leave the rest to us. Our experienced team will process your application quickly and securely – we just need a few details to check your eligibility.
Follow the steps below to get started:
1. Apply online in minutes
Share your personal details and how much money you’d like to borrow to help cover your bills.
2. eSign your emailed approval
Many applications are approved automatically. After we complete our background checks, we’ll send you your loan agreement to read and sign online.
3. Funds paid in 15 minutes*
After you sign your loan agreement, you could receive money in your UK bank account in just 15 minutes*.
From surprising energy bills to car repair loans, our straightforward borrowing options could help offer extra breathing space. Want to learn more about the application process? Our FAQs explain everything you need to know, including borrowing limits, open banking and bad credit loan queries.
Will I be accepted for a Moneyboat loan?
To apply for a short-term loan, you’ll need to meet our minimum eligibility requirements:
- 18+
- Regular income of £1,000
- UK resident with UK bank account
Here at Moneyboat, we’re proud to be a fair and responsible direct lender that looks beyond credit scores. Even if you have a history of bad credit, we’ll assess your application on its own merit if you need to borrow money for urgent bills.
Is Moneyboat a credible lender?
Our focus is on delivering transparent, trustworthy lending options that our customers can rely on. We’re licensed and regulated by the Financial Conduct Authority (FCA) to provide short-term loans in the UK that our borrowers can comfortably afford. This means we’ll check your affordability before we approve your loan application, so you don’t borrow more than you can manage.
Trusted direct lender loans
We send funds quickly and securely to our customers, so there are no hidden costs or surprises.
Rated Excellent on Trustpilot
We aim to offer the best possible customer service by listening to your feedback.
UK-based support team
Our helpful team is just a phone call away. Contact us Monday to Friday (8am to 7pm) on 020 3818 7470.
Regulated by the FCA
You can easily look for us on the FCA Register under our trading name Evergreen Finance London Limited. Our register number is 674154.
Is applying for a loan to pay bills the right choice for me?
When problems like urgent bills arise, it’s not always easy to navigate uncharted waters. If you’re met with an emergency cost that turns your budget upside down, there are options available. If you don’t want to dip into your savings, or your finances are tight until your next payday, a short-term loan could help bridge the gap in the meantime.
However, borrowing isn’t always the right option for everyone. Take an energy bill for example – you may be better off speaking with your provider first to see if they can support you with a payment plan. That way, you can continue to pay your energy bill without needing to turn to an expensive form of borrowing.
You may also consider reviewing your budget to make sure that the cost of repaying your loan won’t impact your finances further. That’s why we’re dedicated to completing thorough eligibility and affordability checks to see if you’re a good fit.
Seeking independent financial advice can help you understand your situation and options better before you commit. Free financial support is available from charity organisations such as StepChange, MoneyHelper, and the National Debtline.
Short-term loans to pay bills: FAQs
What type of bills can I cover with a short-term loan?
Short-term loans are available to help weather temporary cash shortfalls. They shouldn’t be used for long-term financial support, and you should always speak with your provider first to see if they can arrange a payment plan. But in the event that you need to, you could use a Moneyboat loan to help spread the cost of:
- Unexpected energy bills
- Emergency plumbing
- Electrical faults
- Flood damage
- Vet bills
- Parking fines
- Council tax bills
Read more about how to deal with the energy cap price rise with our dedicated guide.
What if I'm struggling to pay my bills?
If you’re currently finding it hard to pay for your priority bills and existing credit repayments, taking on another short-term loan might not be the best idea for now. Speak to the provider of your bill to see if there are any payment plans or grants they can provide. You can also reach out to organisations such as Citizens Advice for assistance, including how to get help if you’re struggling to pay for bills.
Will the bill provider be paid directly?
We’re a direct lender, which means we’ll send the funds directly to your UK bank account within 15 minutes* of your loan being approved. We won’t be able to pay the bill provider directly.
How fast can I receive the money?
We work to help our customers receive urgent funding as soon as possible, releasing funds every 15 minutes. If you’re eligible for a loan, we’ll complete our checks and share your loan agreement for you to sign. Then, you could receive your loan within 15 minutes of final approval.
Where can I get free money advice?
If you’re experiencing financial stress, there’s always help available to talk through your situation. Reach out to free, independent organisations such as StepChange, MoneyHelper, Citizens Advice and the National Debtline for impartial guidance on paying for bills and debt.
Discover more resources to help manage bills
Find more helpful guidance and insights on our Moneyboat blog, featuring expert articles on everything from budgeting and credit to payday loans.
Explore our topics below to continue your journey to financial confidence:
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*Learn more about our 15-minute funding terms and conditions.