Why we’re different.
Traditional borrowing? We do it differently.
BufferMoney is built for real life – giving you control, flexibility and peace of mind.
Unlike a credit card, you can transfer money directly into your bank account, within minutes.
Unlike traditional loans, you only pay interest on what you actually use – not the full amount.
Unlike an overdraft, you don’t need to hit zero to access your Buffer.
Are we right for you?
Easy access to money
With just one easy application, access between £500 to £4,000, (subject to eligibility). Dip into your Buffer anytime without reapplying, and transfer money directly to your bank account when you need it.
Fair, clear costs
No fees – ever. Just interest on the money you borrow, for the time you borrow it. That’s it.
Money in moments
Once approved, your Buffer’s there – waiting. You can transfer money within minutes, taking only what you need while keeping the balance available for later.
You’re in control
As long as you make your minimum monthly repayment, you’re free to repay as quickly or slowly as you like. While you repay, you’ll still have access to your remaining credit, up to your limit.
Your Buffer in just five simple steps.
We’ve designed our application process to be easy to follow and quick to complete – it shouldn’t take more than a few minutes.
Here’s what to expect.
1
Check if you’re eligible