Payday loan lenders. Borrow between £200 and £1,500

Do you need some extra cash today? Our payday loans are quick, flexible, and fair. Apply now and borrow from £200-£800 as a new customer or up to £1,500 as an existing customer without any hassle or delay. How much do you want to borrow?

Representative Example: Borrow £400 for 4 months, 4 monthly repayments of £156.09. Total repayment £624.34, interest rate p.a. (fixed) 288.35%. Representative APR 1,267.9%. Compare Moneyboat loans.

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

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Simple

Apply for a loan hassle-free with an easy application process.

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Direct

Get the money you need sent straight to your bank.

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Reliable

Free application process with transparent borrowing charges.

What is a payday loan?

A payday loan is a small amount of money you borrow to cover unexpected expenses before your next payday. These loans usually have high fixed interest rates and are repaid in manageable instalments, but they may not be suitable for everyone’s needs. They're ideal for situations like car repairs, dental work, or a new oven, where you need money quickly. We offer payday loans that are easy to apply for online, and we can even approve you for a loan if your credit record isn't perfect. Our loans are designed to provide a quick solution for those who need emergency cash and can afford to pay back their loan in manageable payments. Check out our guide to alternatives to payday loans if a payday loan doesn’t feel like the best option for you right now – there are lots of different options you can look into. You could also explore other options like personal loans or credit cards that might have better terms and lower interest rates.

Why choose a Moneyboat payday loan?

Need cash before you next get paid? Apply for a payday loan online with Moneyboat. As trusted payday loan lenders, we’ve tailored our 15-minute funding so that it helps you access the cash you need fast. Applying is easy with our quick, transparent, and straightforward process. With us, you can customise your payday loan to your desired amount (up to £200 for new customers, and £1500 for existing customers) and repayment term (minimum of 2 instalments - up to a maximum of 6 months.

Rest assured that our interest rates are competitive in comparison to other UK payday loan direct lenders - you can trust us for a reasonable APR and no unexpected fees. You can explore other options if a payday loan doesn’t seem like the right fit for you right now - other payday loan alternatives, such as personal loans or credit cards, which could offer more favourable terms and lower interest rates, are also worth considering. Our guide on what to consider when applying for a payday loan can help with your decision.

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Borrow what you need

Payday loans from £200

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Repay with ease

Flexible repayment plans from 2-6 months

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No hidden fees

All the information you need before you apply

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Friendly service

Our helpful team is ready to assist you

Moneyboat's service is rated Excellent

Representative Example: Borrow £400 for 4 months, 4 monthly repayments of £156.09. Total repayment £624.34, interest rate p.a. (fixed) 288.35%. Representative APR 1,267.9%. Compare Moneyboat loans.

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

Payday Loans FAQs

Finance-related language and terms can be confusing, particularly when it comes to loans. We know it's crucial to have a clear understanding of your financial decisions, so we've put together some straightforward information to help answer common questions about getting payday loans online.

To be eligible for a payday loan in the UK, you typically need to meet the following criteria:

  • You must be at least 18 years old and a resident of the UK.
  • You need to have a regular source of income to demonstrate that you can repay the loan - this includes full time and part time employment with a steady income, and does not include those on benefits, or those who have had a CCJ or declared bankruptcy in the last three years.
  • You'll also need to have a UK bank account in your name so that the payday lender can deposit the loan funds and collect repayments.
  • You must also pass a credit check, which assesses your credit history, searches for a history of CCJs and determines your creditworthiness.

Other payday loan lenders may have even more stringent requirements, such as having never declared bankruptcy or having a good credit score.