Write a review

Go to business site

Moneyboat.co.uk: Short-term loans reviews

Name: Short-term loans
Rating: 4.82 (1408 reviews)

View other Moneyboat.co.uk products

4.82

Based on 1,408 reviews, last reviewed 29th May 2026

238% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Great service Easily accessible and fair very helpful when needed in an emergency Reviewed on: 29th May 2026

Latest lowest rating:

2

It was fast, easy and clear. It was fast, easy and clear. I would definitely recommend this product to friends and family. Reviewed on: 14th December 2025

Verified source

Read all reviews Write a review

About this product

Moneyboat offer flexible short-term loans.

You can borrow up to £1500 and spread payments over two to six months. As a direct lender, Moneyboat consider all applications, looking at multiple factors beyond just your credit score. That means if you’ve been declined elsewhere, you may still be eligible.

Moneyboat short-term loan reviews help you find out what it’s really like to be a customer. If you’ve used Moneyboat before, you can also leave a review and share your experience.

Review Moneyboat.co.uk: Short-term loans now

Help others make smarter decisions by sharing your own experience.

Write a review

Moneyboat.co.uk Short-term loans reviews (1408)

I am extremely grateful for your help and would happ...

I am extremely grateful for your help and would happily recommend your services to anyone looking for reliable and trustworthy financial support. Thank you once again for your outstanding service. Reviewed on: 28th May 2026

My Experience with Moneyboat

I recently needed some extra cash quickly for an unexpected expense, and after comparing a few options, I applied with Moneyboat (moneyboat.co.uk). Overall, my experience was pretty average — they delivered the money when I really needed it, but the high interest rate is something I definitely felt. The Application Process The online application was straightforward and fast. It took me about 10-15 minutes to complete everything — personal details, income info, bank verification, etc. Moneyboat is a direct lender, regulated by the FCA, which gave me some reassurance. I got a decision quite quickly, and the funds were transferred to my account the next working day. That speed was the biggest positive for me — exactly what I needed in a tight spot. Loan Terms and Costs I borrowed a mid-range amount over a few months. Their loans range from £200 to £1,500 (up to £800 for new customers, higher for repeats), with repayment periods of 2-6 months in flexible instalments. The daily interest rate is 0.79% (just under the 0.8% FCA cap). While it's transparent and only charged on the outstanding balance, it adds up fast on short-term loans. The representative APR is around 1,267.9%, and in my case, the total repayment is noticeably higher than the amount borrowed due to the interest. Yes, the interest is a little high — that's the main downside of these types of short-term loans. Representative example (from their site): Borrow £400 for 4 months → total repay £624.34. Customer Service My interactions with their team were polite and professional. They were responsive when I had a couple of questions during the process. No major complaints there — nothing exceptional, but solid and helpful enough. Pros Very fast funding — money when you need it most. Simple, user-friendly application. Flexible repayment options (weekly or monthly instalments). Transparent about costs (no hidden fees that I noticed). FCA-regulated direct lender. Cons High interest costs — this is the biggest thing to be aware of. It's not cheap money, even though it's below the legal cap. Best suited only for short-term needs where you can repay quickly to minimise interest. Like most high-cost short-term credit, it's not ideal if you're already in financial difficulty (they do affordability checks, which is good). Would I Recommend Moneyboat? It depends. If you're in a genuine short-term emergency, have a reliable income to cover repayments, and understand the costs upfront, Moneyboat does what it promises — quick, straightforward access to funds. They helped me out when I needed it, and the process was hassle-free. However, I wouldn't use them for anything long-term or if cheaper alternatives (credit union, 0% credit card, family help, etc.) are available. Always borrow only what you can comfortably afford to repay. Final Rating: 3.5 / 5 Great for speed and convenience. Average overall due to the high cost of borrowing. Reviewed on: 28th May 2026

I was able to obtain a loan and it helped...

I was able to obtain a loan and it helped me alot Reviewed on: 28th May 2026

Really quick and easy, funds were funded with 15 min...

Really quick and easy, funds were funded with 15 minutes after the application was completed Reviewed on: 28th May 2026

Was in a tough place and they have helped me...

Was in a tough place and they have helped me Reviewed on: 28th May 2026

Great service

The application was super easy and only took a few minutes to do, they send you a decision within seconds and if approved the funds are sent within seconds, would highly recommend Reviewed on: 28th May 2026

Great all round!

Great experience, quick & easy & very efficient, also a good value for money. Reviewed on: 28th May 2026

Great service

Very helpful.and fast. Easy to.use from.start to finish Reviewed on: 28th May 2026

Great- really quick and efficient, funds received al...

Great- really quick and efficient, funds received almost instantly. Reviewed on: 28th May 2026

Very easy application no issues at all

Very easy application no issues at all Reviewed on: 28th May 2026

Review Moneyboat.co.uk: Short-term loans now

Help others make smarter decisions by sharing your own experience.

Write a review

Alternative products

Personal Loans
from Smart Money Cymru Community Bank 4.34 from 40 reviews
Loans
from Hoot Credit Union 4.41 from 12 reviews
Loans
from Great Western Credit Union 4.73 from 1647 reviews

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub

Moneyboat.co.uk: Short-term loans reviews

238% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Review Moneyboat.co.uk: Short-term loans now

Moneyboat.co.uk Short-term loans reviews (1408)

I am extremely grateful for your help and would happ...

My Experience with Moneyboat

I was able to obtain a loan and it helped...

Really quick and easy, funds were funded with 15 min...

Was in a tough place and they have helped me...

Great service

Great all round!

Great service

Great- really quick and efficient, funds received al...

Very easy application no issues at all

Review Moneyboat.co.uk: Short-term loans now

Join Smart Money People

News, guides and insight from our team

UK money news stories - 24 July 2024

Your Money, Your Voice: Have your say

Our latest research - customers see little impact of FCA's Consumer Duty one year on

Consumer credit awards winners 2024