buffa is a black and white brand for a sector that needs to be just that

buffa is here to give you a better choice, to call out what is wrong in the sector and show you we are better. We’re black and white in everything we do, allowing our customers to live happy day to day lives and supporting them financially when they need us.

Why Choose buffa?

Loan Decision Instantly

We won’t leave you waiting to find out whether you qualify for a loan from us. Get an instant indicative decision to advise whether we accept, reject or need to conduct further checks relating to your application.

No Impact on your Credit Score

Complete your buffa loan application safe in the knowledge that it will not impact your credit score. We’ll give you an initial decision with absolutely no obligation on your part.

Transparency with No Hidden Fees

We pride ourselves on being upfront and honest about our loans, so you’ll know exactly what you’re expected to pay back and by when before you agree to take the loan. When we say no fees, we mean it. No late repayment fees, no loan arrangement fees and no hidden charges. Ever.

Flexible Repayment Options

Because our loans are fully flexible and designed to suit your individual circumstances, you can repay at any time. So, if you want to make early repayments or overpayments against your loan to make savings on the overall interest charges, that’s just fine. Or if you prefer the certainty of knowing how much you need to repay each time, on a fixed repayment date each month, that’s just fine too. It’s your loan so you can repay your way.

Bad or Impaired Credit Considered

We strongly believe that nobody should be held back from leading their life by a bad or impaired credit history. We will consider all loan applications on their own merits and will always do our best to provide you with a loan, regardless of your credit history.

Money Paid in Minutes

Need your loan in a hurry? Once approved, money will be in your account within a matter of minutes. No delays, just quick and simple access to your money.


Representative APR: 1,087%

Need Help?

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

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