BufferMoney is a revolving credit facility offering personal lines of credit designed to give you access to cash as and when you need it.
You could access credit between
For information about our rates and terms, please click below.
You could access credit between
For information about our rates and terms, please click below.
Representative APR
Setup fee
Imagine having a financial Buffer for everyday life. Wherever you go and whatever life puts in your way, your Buffer is always ready, should you ever need it.
With a personal line of credit:
Credit availability helps you manage seasonal costs, travel plans, or family expenses with transparent pricing and clear repayment terms.
Maintain financial flexibility with access to credit that helps you manage occasional financial obstacles.
Whether it’s a new role, a move, or a change in routine, BufferMoney gives you pre-approved credit to support upfront costs while you settle in.
Draw down when expenses peak and restore your available credit as income picks up, so short-term dips don’t disrupt longer-term plans.
Imagine having access to a financial buffer on standby, ready to drop into your bank account.
Built for real life, BufferMoney is a line of credit that gives you access to funds up to your available credit limit without needing to reapply.
As you repay, everything but interest replenishes your line of credit.
With BufferMoney, you may be eligible for a credit limit between £500 and £4,000, subject to eligibility and affordability assessments.
Then use your Buffer anytime without reapplying, and transfer money directly to your bank account when you need it.
No fees – ever.
Just pay interest on the money you draw down.
That’s it.
Once approved, your Buffer’s there – waiting.
You can transfer money whenever you need it, taking only what you need while keeping the remaining balance available for later.
If you’re looking for borrowing that puts you in control, offers true flexibility, and keeps everything transparent and straightforward, you’re in the right place.
BufferMoney is built for real life – giving you control, flexibility and peace of mind.
Traditional borrowing? We do it differently.
Please borrow responsibly and only use BufferMoney if you’re confident you can comfortably afford the repayments.
When your budget needs to stretch a little further, we’ve got you covered.
Whether it’s buying a new laptop, furnishing your flat, or managing the big, one-off costs of starting out, BufferMoney gives you the flexibility to access money when you need it the most.
Your bills and food are sorted, and the kids’ costs are covered – but every now and then, something else pops up.
Christmas, birthdays, back to school – whatever pops up, imagine having a financial Buffer to help.
Your income goes up and down. Your bills don’t.
We’ll offer you access to a financial Buffer to dip into whenever you need it, similar to the support big businesses rely on.
You plan carefully, but sometimes life demands a little more.
That’s where your Buffer comes in – giving you the credit you need. Dip into your Buffer when you need to, and as long as you meet the minimum repayments, repay at the pace that works for you.
It shouldn’t take more than a few minutes. Then, we’ll conduct a soft credit check. Don’t worry, this won’t impact your credit score.
If you're provisionally accepted, you may proceed with your application. Once approved, your Buffer is there for you whenever you need it, up to your credit limit.
Enjoy the flexibility of using BufferMoney, with no fees. Interest only applies when you transfer money to your bank account, so you only pay for what you use. The amount you transfer is up to you.
BufferMoney is a personal line of credit and is different from the borrowing options you may have used before.
Think of it as a financial multi-tool – providing you with the benefits of multiple borrowing options in one simple solution.
Money is available up to a pre-approved limit
Money transferred directly to your bank
Only pay interest on what you draw down
A credit line that refreshes as you repay
No need to reapply every time you draw down
No fees at all
Kept informed of all procedures. Smooth transfer of funds. Well done.
Kept informed of all procedures. Smooth transfer of funds. Well done.
Kept informed of all procedures. Smooth transfer of funds. Well done.
