Personal Loan

Starting APR 1,116%

Getting a short-term loan from buffa couldn’t be simpler. Buffa has created a loan application process that 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, Buffa's here to try to offer you a buffa by getting you the money you need.

Representative Example: Borrowing £100 over 3 months. Interest 274% p.a. (fixed). Repaying £46.79 per month totaling £140.37. Representative 1116%.

  • Annual Percentage Rate (APR) 1,116%
  • Borrowing Amount £100 - £750
  • Maximum Loan Term upto 1 years
  • Processing Time 5 minutes
  • Loan Types Bad Credit, Fixed Rate, Short Term, Unsecured


  • You should be over 18 years of age and live in the UK
  • You should have a regular income and access to a UK bank account in your own name, with a debit card facility associated with the account.

Complete the application

  • Tell Buffa how much you want to borrow and how long you’ll need to pay it back. Buffalo needs some information from you, such as contact details, income/expenses, and your bank account details.

Get an instant decision

  • Find out instantly if your loan application has been pre-approved, or if Buffa needs to conduct further checks. If Buffa can offer you a loan, Buffa’ll show you exactly what you have to pay back, and when.

Cash paid in 5 minutes

  • Once you accept Buffa’s loan offer, and Buffa has made any final application checks, Buffa will pay your loan straight away. No waiting around, no upfront fees – just cash in your bank within 5 minutes.

Immediate payment

If you decide to proceed with the loan and accept the loan agreement, Buffa will pay the money directly into your bank account within a matter of minutes. No waiting around, no middlemen 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 Buffa provides flexibility. You can let Buffa 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.