Short-term loans from £200 to £1,500 in minutes
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 APR 1,267.9%.
Warning: Late repayments can cause you serious money problems. For help, go to www.moneyhelper.org.uk.
Why thousands of people trust Moneyboat?
We get it - when you need a short-term loan, you need it fast, clear and fair. That's why we keep things simple:
Clear costs,
no hidden fees
Funds in
15 minutes
Spread over
2–6 months
Repay weekly
or monthly
UK-based
support
Bad credit
considered
What our customers say
Mar 30, 2026
"Quick and easy process, understanding and they work with customers in hard times."
Oct 22, 2025
"Moneyboat came to the rescue recently when I was in a pinch with a quick and easy application and the funds were in my account within an hour. No early payment penalties either."
Oct 29, 2025
"Fantastic from start to finish and received funds in my bank within 15 mins after approval."
Awards and recognition
Your loan, your control
How easy is it to apply?
Fill in your personal details and let us know how much you'd like to borrow.
Once approved, we'll email you your loan agreement. Simply review and eSign it online.
After signing, your funds are sent to your bank account. We process payments every 15 minutes.
Moneyboat short-term loans: FAQs
Yes. All regulated short-term lenders run a full credit check before they lend money. This will appear on your credit file as a hard search.
A short-term loan can help with an unexpected cost, but it's important to be sure you can manage the repayments. Take a moment to look at your budget before you apply and compare different borrowing options.
Our loans have clear terms and no hidden fees, but they're not a long-term fix. We also check every application carefully to make sure repayments are affordable.
Short-term loans are meant for one-off, urgent expenses such as car repairs, dental treatment, vet bills, or replacing a broken appliance. They shouldn't be used for holidays, luxury items, or regular spending.
We always encourage borrowing only for genuine needs.
A direct lender provides the loan themselves, without using a third party. That means your application, your loan, and your repayments are all handled by the same company.
With Moneyboat, your details stay in one place, and you get a clear repayment plan from the start.
It depends on your situation. Short-term loans usually have higher interest rates than some other credit options, so it's important to be sure you can repay on time.
They can help if you need money quickly for an urgent cost and you know the repayments fit your budget. They're not suitable for ongoing money problems or long-term debt. These free, independent organizations can help in those circumstances.