Lender Profile: Moneyboat

Cara Bradley

Written by

Cara Bradley

4 min read

Updated: 03/11/2026


Introducing one of our trusted lenders, Moneyboat.


the Moneyboat website homepage

Direct lender or credit broker: Direct lender


Financial Conduct Authority (FCA) registration: Moneyboat is a trading name of Evergreen Finance London Limited, which is authorised and regulated by the FCA.

For your peace of mind, Viva Money only works with lenders authorised and regulated by the FCA.


Types of products offered: Short-term loans.


Available amounts:

  • Between £200 - £800 for new customers.
  • Between £200 - £1,500 for returning customers.

Available repayment terms: From 2 to 6 months.


Advertised Representative Annual Percentage Rate (APR): Representative 1,267.9% APR


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 1,267.9% APR.


Eligibility criteria:
To be considered for a loan with Moneyboat, you must:

  • Be over the age of 18
  • Be a UK resident
  • Have a UK bank account
  • Have a minimum monthly income of £1,000

When considering your application, Moneyboat looks at the bigger financial picture, rather than your credit score alone. You could be eligible for a loan with Moneyboat even if you have a history of bad credit.


Payout timescale: Within 15 minutes of approval.*


Late repayment fees: Repayments made 3 or more days late will be charged a £15 fee. Moneyboat urges customers struggling with their finances to contact them. They will work with you to manage your account and explore any options you have.


Early repayment fees: You can repay your Moneyboat loan early without being charged any fees.


Trustpilot reviews: As of September 2026, Moneyboat is rated ‘Excellent’ on Trustpilot, with an average score of 4.8/5.


Moneyboat contact details:

  • Email: thecrew@moneyboat.co.uk
  • Telephone: 020 3818 7470

The Moneyboat team are available from Monday to Friday (excluding bank holidays), between 8am and 7pm.

Are you worried about money?

You can get free, impartial debt and money advice from the following charities and organisations:

Searching for a loan with Viva Money: how does it work?

Loans 2 Go is just one of the50+ direct lenders on our panel. With Viva Money, you could search for a loan between £100 and £10,000. Spread the cost of your loan across a repayment term from 3 to 60 months, depending on the amount of money you apply for and are approved to borrow.
All credit scores welcome.


  1. Fill out our five-minute online form.

  2. In just 60 seconds, we’ll run a soft search and scan our panel of lenders for a suitable loan with no impact on your credit score.*

  3. If you’re matched with a loan, you’ll be redirected to the lender’s website where you can find out more and decide whether you’d like to make a full application.

  4. Happy with the loan? At this point, the lender will complete a creditworthiness assessment.

  5. If you pass the lender’s checks, they’ll let you know when your money will be sent.

*The time it takes for the money to appear in your account will depend on your bank’s policies and procedures.

** Viva Money uses soft search technology, which will not impact your credit score. If you’re matched with a lender and choose to make a full application, they will carry out a creditworthiness assessment, which will include a hard search or an Open Banking check. Please be aware that a hard search will remain on your credit file for up to 12 months, and multiple hard searches in a short period of time could cause your credit score to decline.