Who is Moneyboat?
Moneyboat is a short-term loan provider based in Poole, UK.
At the 2021-2022 Credit Awards, Moneyboat was named ‘Responsible Lender of the Year.’ In addition to this accolade, they were also finalists in both the ‘Technology Team of the Year’ category at the 2021 Credit & Collections Technology Awards and the ‘Alternative Consumer Lender of the Year’ category at the Lending Awards.
Is Moneyboat a legitimate company?
Yes. Moneyboat is a trading name of Evergreen Finance London Limited, which is authorised and regulated by the Financial Conduct Authority (FCA).
Is Moneyboat a legitimate company?
Yes. Moneyboat is a trading name of Evergreen Finance London Limited, which is authorised and regulated by the Financial Conduct Authority (FCA).
Where can I read Moneyboat reviews?
You can find Moneyboat customer reviews on Trustpilot.
As of June 2025, Moneyboat is rated ‘Excellent’ and has over 14,300 reviews, 90% of which are 5*.
How much money could I borrow from Moneyboat?
The amount of money you could borrow with Moneyboat will depend on whether you’re a new or returning customer. We’ve included the available loan amounts for each customer category in the table below.
| New customers | Returning customers |
|---|---|
| £200 - £800 | £200 - £1,500 |
How long do I have to repay my Moneyboat loan?
Approved borrowers can choose to repay their Moneyboat loan across a term between 2 and 6 months.
Could you tell me a bit more about Moneyboat’s Representative Example?
Of course. Moneyboat advertise the following Representative Example on their website:
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%.
How could CashLady help to match me with Moneyboat?
CashLady is a credit broker, and we cannot match applicants with a specific lender on request. When you complete CashLady’s online form, we’ll scan our panel of over 30 lenders for a loan that could suit your financial needs.
If your credit score is looking worse for wear, you could be matched with a lender that specialises in bad credit loans, such as Moneyboat.
Using a credit broker could save you the hassle of potentially applying to many lenders. In addition to this, CashLady uses soft search technology to look for your loan, which will not harm your credit score.*
Could I apply for a loan with Moneyboat?
You can make an application for a loan with Moneyboat if you:
- Are over the age of 18;
- Are a UK resident;
- Have a UK bank account and debit card; and
- Have a regular income of at least £1,000 a month.
Do Moneyboat accept applications from people with bad credit?
You could be considered for a loan with Moneyboat, even if you have a history of bad credit.
Moneyboat assesses each application on an individual basis, and when it comes to your financial situation, they will look at the whole picture rather than just your credit score.
While it’s not impossible to get a loan with bad credit, you should take a step back and think very carefully before you decide whether to make an application. Due to the possibility of a higher rate of interest, a bad credit loan could work out as an expensive type of borrowing.
You should never borrow more money than you need or can afford to repay.
What happens if I can’t afford to repay my Moneyboat loan?
If you’ve taken out a loan with Moneyboat and you’re struggling to make your monthly repayments, you should contact the customer service team as soon as possible.
On their website, Moneyboat states the following:
“Our staff are always available to discuss ways in which we can help when things don’t go quite as planned. Should an alternative repayment plan be required we’ll be happy to assist.”
Please note that a missed repayment will result in a charge of £15 within three days of the agreed repayment date. You can find out more about late or missed payment fees here.
If you need financial advice or are concerned about your current level of debt, the following charities and organisations offer free, impartial advice: StepChange, MoneyHelper, Citizens Advice, and National Debtline.
Could I pay off my Moneyboat loan early?
Yes, you can – and the great news is that Moneyboat do not charge any fees for early repayments.
I’ve been approved for a loan with Moneyboat; when will I receive my money?
Moneyboat works with issuer Modulr to provide a 15-minute funding capability. This means that once approved, your money could be sent within 15 minutes.
While your loan can be sent within this timeframe, the time it takes for the money to show in your account will depend on your bank’s policies and procedures.
How can I contact Moneyboat?
- By telephone: 020 3818 7470
- By email: thecrew@moneyboat.co.uk
- Via their online form: available here.
- In writing:
Unit 33969
PO Box 7169
Poole
BH15 9EL
Moneyboat summary
- Moneyboat is an award-winning direct lender.
- New Moneyboat customers could apply for a loan between £200 and £800, whereas returning customers could be eligible to borrow up to £1,200.
- Repayment terms from 2 to 6 months.
- If approved, money could be sent in 15 minutes.**
- Moneyboat is rated ‘Excellent’ on Trustpilot.
- You will not be charged a fee for repaying your Moneyboat loan early.
- You could be charged a fee for making a late repayment. If you think you might miss an upcoming payment, you should contact Moneyboat as soon as you can.
*If you’re matched with a loan through CashLady’s credit broking service and choose to make a full application directly with the lender, a creditworthiness assessment will be completed by that company. This will include a hard search or Open Banking. A hard search will leave a footprint on your credit file, and this will be visible for up to 12 months. Multiple hard searches in a short period of time will damage your credit score.
**The time it takes for the money to appear in your account will depend on your bank’s policies and procedures.
CashLady Representative 79.5% APR