Apply for credit.
You can start your application as soon as you’re ready. 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.
Begin your application anytime, once approved, you’ll have access to money whenever you need it, up to your limit (£500-£4,000, based on eligibility). Whether you choose to use it or not, the decision is yours.
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 entirely up to you.
A different way to borrow.
BufferMoney is a personal line of credit and is different from the borrowing options you’ve used before.
- Unlike a credit card, we send money directly to your bank account, giving you the freedom to spend it however and wherever you like.
- Unlike traditional loans, we provide access to credit instead of a lump sum—with just one quick and easy application.
- Unlike an overdraft, you don’t need to hit zero to access your Buffer.
With a credit limit between £500 and £4,000 (based on eligibility), you’ll have the peace of mind that comes with having a financial buffer whenever you need it.
Freedom
Unlike a credit card, the money goes directly to your bank account, so you can spend it with freedom, wherever and however you like.
Clear costs
There are no fees, just interest on the portion of credit you move to a bank account. How much you move is up to you.
Flexibility
Unlike traditional loans, you have ongoing access to credit, rather than a lump sum, with just one quick and easy application.
Security
With a credit limit of £500-£4,000 (based on you’re eligibility), you’ll have peace of mind for the big days and the everyday.
We're here to help.
Flexibility for families
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. You can access your Buffer at any time and only pay interest on money you transfer to your bank account.
A helping hand for young earners
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.
Better financial balance for the self-employed
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.
A boost for your budget
You plan carefully, but sometimes life demands a little more.
That’s where your Buffer comes in – giving your budget the breathing space it needs. Dip into your Buffer when you need to, and repay at a pace that works for you as long as you meet the minimum payments.
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