Assumed credit limit of £1200 at an annual interest rate of 54.19% per annum (fixed) with a representative APR of 69.9%.
We offer four pricing tiers depending on your individual credit assessment. The Representative APR above is the rate we currently expect to be offered to at least 51% of customers responding to this promotion.
*Payment by bank transfer once application approved, subject to our working hours of Monday to Friday: 8am to 5pm. All loans are subject to eligibility & affordability criteria. Warning: Late repayment can cause you serious money problems. For independent help, please go to www.moneyhelper.org.uk
Lending examples
59.9%
£0
47.9
3.99%
£500
£4,000
69.9%
£0
54.2
4.52%
£500
£3,500
79.9%
£0
60.2
5.02%
£500
£2,500
89.9%
£0
65.9
5.49%
£500
£1,000
BufferMoney is a personal line of credit designed to give you access to cash as and when you need it. Unlike a traditional loan, you don’t have to take the money in one go; instead, you can draw down from your credit account up to your credit limit with no need to reapply. As you repay, your account balance updates, freeing up funds for you to use next time.
Unlike a credit card, the money goes directly to your bank account, so you can spend it with freedom, wherever and however you like.
Funds are transferred into your bank account for spending and cash withdrawals.
There are no fees, just interest on the portion of credit you move to your bank account. How much you move is up to you.
With a credit limit of £500-£4,000 (based on your eligibility), you’ll have peace of mind for life’s little obstacles.
A revolving credit facility gives you access to an approved credit limit. You can draw down money when you need it, repay it, and borrow again up to your available credit limit. Unlike a fixed-term loan, there isn’t a single amount borrowed upfront or a fixed repayment period.
We think it offers more benefits as traditional borrowing, and with more control and flexibility.
With a personal line of credit:
No, we don’t charge any fees, and we don’t deal with brokers who’ll charge you admin fees.
We’ve designed our application process to be simple to follow and quick to complete – it shouldn’t take more than a few minutes.
Check if you’re eligible to apply – 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 – if you’re provisionally accepted, you may proceed with your application. Once approved, you’ll have access to money whenever you need it, up to your credit limit (£500-£4,000, based on your eligibility).
Start using your Buffer – 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. Whether you choose to use it or not.
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 your budget the breathing space it needs. Dip into your Buffer when you need to, and repay at the pace that works for you as long as you meet the minimum payments.
