Lifeboat Loans provide flexible short term loans.
Apply now and you could have your
money by the end of the day.

How much cash do you want?

(max £1000)

How long do you want it for?


Total to repay by = £

Representative example: Borrow £200 for 30 days. 360% p/a (fixed).
Interest & Fees = £111.01. Amount repayable £311.01.

Representative APR 4020%*
*See representative example to find out more, APR is not the same as actual interest charged.

Apply OnlineApply Online

To get a short term loan today, simply complete our loan application form.

Instant ApprovalGet Approved

Our automated systems will provide you with a prompt response.

Get Funds FastGet Your Loan

Once approved your funds will be sent by faster payment.

Responsible Lending

Lifeboat Loans are a responsible lender, a value that holds true throughout all facets of the company’s operations. As such, we have stringent checks in place to ensure that we only lend to customers who are in Full Time Employment and who can afford to repay the loan.

Customers must provide accurate details of their income and pass a credit check and Identification checks before we grant any loan. If we cannot assess affordability the customer must provide a bank statement to prove income which must meet our minimum income requirements, the statement is then checked for affordability indicators such as bank charges, unauthorised overdrafts and other loan and credit payments.

View Our Responsible Lending Policy

Implications of Non Payment

If you are unable to pay your loan repayment on time, you must inform us at your earliest convenience to avoid unnecessary fees and interest. We work within guidelines set by the Financial Conduct Authority to ensure that customers are treated fairly.

We will aim to contact you by phone, letter or email in order to arrange payment or discuss a solution to meet your circumstances. We will request documentation to confirm proof of affordability and based on the information provided to us we will review the options available to you. (These include, extensions and repayment plans) Please read the charges section of our website before finalising your loan.

Warning: Late repayment can cause you serious money problems. For help, go to

Collection Practices

We will contact you by phone, letter and/or email in order to rearrange payment. Non-payment may result in charges and/or raised interest and may affect your credit score. Continued non-payment may result in your debt being passed to a collection agency, which could add further charges.


If you wish to renew your loan, you should contact us in advance of your repayment date. We will charge the same rate of interest and fees for another month on the entire amount owed. In the event of non-payment, a loan renewal/extension could be automatic and further interest and/or charges may be added to your account.