How it works

Getting a short-term loan from buffa couldn’t be simpler. We’ve created a loan application process which makes it clear and simple for you and ensures that you get the money you need within minutes once your loan application is approved. So, whether you get an unexpected bill through the letterbox or an essential appliance breaks down in the home, we’re here to try to offer you a buffa by getting you the money you need.

Representative 1,116% APR

Getting started

To start the process, you should ensure you meet the criteria to qualify for a loan from buffa. Firstly, you should be over 18 years of age and live in the UK. Secondly, you should have a regular income and access to a UK bank account in your own name, with a debit card facility associated to the account.

A buffa loan should not be used as a long-term financial solution or if you are already struggling financially- although we do offer free financial advice and support to anyone who needs it.

Choose your loan

Next, you need to decide how much you want to borrow and when you want to pay it back. You can borrow anything between £100 and £750 which can be paid back within one to six months. Simply use our loan calculator to choose the amount of money you’d like to borrow and the time you need to repay, and in return, our calculator will let you know how much you will need to repay each month, and in total.

Apply online

After that you’ll need to complete our simple online application, where you will need to tell us some personal details such as your name and address, as well as your current employment and income details, your outgoings and your bank details. Everything is taken care of in our online application form, making the process as quick and hassle free as possible.

Instant decision

The beauty of a buffa loan is that we can review your application straight away and give you an indicative decision within approximately 1-minute of your application being submitted. So, whether you’ve been accepted for your loan, unfortunately declined or if we need you to give us a bit more information about your application before we can give you a final decision, you’ll know straight away. We treat every case individually, and so you needn't worry if you have bad credit history- we only approve our loans when we feel the customer is in a safe place financially.

You decide

If your loan application is approved, you will then be provided with our online ‘loan agreement’ for you to review. This will detail how much we can lend you, the regular monthly and total amounts you’ll need to repay and when you’ll need to pay it by, as well as all the other terms and conditions of the loan. From there, it’s your decision whether you choose to accept the loan agreement at this stage. It goes without saying there’s no obligation on your part at this point and only if you choose to accept the agreement will your loan with buffa be formally processed for payment.

Immediate payment

If you decide to proceed with the loan and accept the loan agreement, we will pay the money directly into your bank account within a matter of minutes. No waiting around, no middle men to communicate with, just a quick and simple payment into your account at the time you need it most.


How you repay your buffa loan is your choice as we provide flexibility. You can let us do all the work and collect your scheduled monthly repayments from your registered debit card automatically. If you wish to make an early full repayment or partial overpayments there are no additional fees or charges for this, so you can pay-down your loan at your own pace. Remember, early repayment means paying less interest.

Issues with repayments

It’s important to remember of course that you should only ever take out a loan if you are sure that you can afford the necessary repayments. We will report late or missed buffa loan repayments to the relevant credit reference agencies and this may affect your credit rating and your ability to obtain credit in the future. That’s why it’s so important that if you can’t repay you make sure to contact us straight away – we want to help and will always seek to offer a reasonable and realistic solution to best help you to manage your buffa loan.

Need Help?

Need some help completing your buffa loan application? Speak to our friendly UK based team today

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