Money boat Short Term Loan Review

Moneyboat are online direct lenders that offer UK short-term loans, they are Financial Conduct Authority (FCA) authorised and regulated, providing you with peace of mind when it comes to finding the right short term loan solution based on your needs. They offer a quick and easy online application process, fast approval and fast funding.


Moneyboat provides short term loans of between £200 and £1,500, payable over two to six months. Their representative APR rate is around 939.5% with an annual interest rate of 255.5%, which is variable. A loan of £400 paid over four months, would have an instalment of around £149.37 per month and the total amount payable would be approximately £597.48.

The company does affordability and eligibility checks. In order to be considered for one of their short term loans, you must be over eighteen years of age, be a UK resident and must be full or part time employed with a minimum monthly salary of £1.000. In addition to this, you must have an active UK bank account and debit card. They do not accept loan applications from students.

Moneyboat offers the convenience of the opportunity to change your repayment date, repay early at any point to reduce interest and they only charge interest on any outstanding funds.

Application is simple and quick. Once you know how much you want to borrow and how long you need to pay it back, you complete their online application form, which takes less than five minutes with your contact information, expenditure, employment, pay date and banking information. The company carries out an affordability and credit check to ensure that you are suitable for one of their loans and you will be able to make the monthly repayments. On approval, you are sent a loan document to sign and the money is usually paid into your banking account within fifteen minutes.


Moneyboat offer short term loans for unexpected expenses, repairs, home improvements, dental treatments or when you run short of cash before your next pay date. They provide a discreet and safe service, regulated by the FCA for confidence. Their systems are encrypted to ensure your confidentiality at all times.

They do not charge any added or hidden fees with a daily flat interest rate of 0.7%, which is relatively low when compared to some of the other UK payday lenders. Moneyboat is not a broker, they are a direct lender, which means that they handle your application in-house and they pay out the funds, which is why they are able to provide same day payments, in most cases. They provide fast access to funds, paying out every fifteen minutes.

All applications are done online and are secure. Applications can be done at any time of day or night, seven days a week.

Contact Information for Moneyboat

Date of incorporation:  2011

Company number: 07669210

Company type: Private Limited Company

Registered company address: 5 Broadbent Close, Highgate, London, United Kingdom, N6 5JW

Official site:

Operating hours: 8am to 5pm Monday to Friday

Phone number: 0203 818 7470


Moneyboat offer short term loans with fast funding. They are part of Evergreen Finance London Limited and are direct lenders that are authorised and regulated by the FCA. The company offers loans of between £200 and £1,500, with repayments of up to six months in monthly instalments. All repayments are set out when you are approved, so you can budget with ease.

The company has provided loans to more than 150,000 UK borrowers over the years. They help UK residents with their short term finance needs. Their loans are affordable, transparent and straightforward.