Rating based on 21 reviews


Payday loans offered by JL Money

image of JL Money
image of JL Money

About JL Money

JL Money forms part of Jeremy Lawrence Limited, a well-established financial services provider in the UK.

Established in 2004, we have since helped people get and manage small unsecured credit and have so earned our name as a go-to lender for payday loans. Our vision is to assist as many individual seeking a payday solution, without traditional credit scoring to ensure we are flexible enough to accommodate as many people, financially, as possible.

Fair, responsible and efficient lender

The principles that underline our loan underwriting are that of responsible and ethical behaviour. It is always at the core of what we do.

Wealth of experience

With 38 years’ experience in financial services, we have earned the name as a reputable lender in the UK. Our wealth of experience and highly trained staff is what sets our loan service apart from the rest.

Highly recommended lender

90% of our customers say they would recommend our loans to people they know. We believe it says something about how we do business.

Cheaper rates and fees

We are always looking for ways to reduce the cost of our short-term loans and we already offer some of the most affordable rates in the industry.

What JL Money can offer you

Customers are able to borrow from £100 to £2000, over a repayment period of three, six or 12 months. Additionally, there are weekly and monthly repayment options available.

Direct lender, lower fees

We are a direct payday loan provider, which means we are keeping the cost of our loans down. There are no unnecessary fees involved, making loans as affordable as possible for our customers.

Bad credit loans and CCJs

As we believe everyone can make a fresh start financially, our loan assessment is based on your current circumstances along with your credit report. It allows us to be more flexible when approving online loan applications.

Loan repayments

The total loan amount to be repaid will depend on how much you borrow and the repayment term. Use our online loan calculator to personalise your quick loan application. You have the option of weekly or monthly repayments with various repayment terms available.

Early repayment option available

As a responsible lender, we advise all our customers that they have the legal right to repay their loans early, in part or full, at any time. Generally, the overall amount that you repay will be lower if you were to repay your loan in full, earlier than the agreed term.

Loan Amount

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Repayment Term

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In a Nutshell

  •  Average processing time Same day
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration
  •  Early repayment


JL Money are reputable lenders in the UK

To apply for one of our loans, visit our website to apply online or simply contact one of our consultants, who will be happy to assist you every step of the way.

Who can apply?

  • UK residents, 18 and over.
  • Full or part time employed.
  • Income from a pension.

What documents will I need?

  • A current passport or a full UK photo driving licence
  • Your last three months bank statements
  • The debit card used for your bank account

Additional information

  • A guarantor must support payday cash loan applications over £500.
  • They must be a UK resident and over 18.
  • Guarantors must be self-employed or in full/part time employment.
  • Guarantors cannot be a family member.

What documents will my guarantor need?

  • Proof of employment
  • Proof of address

Loan application approval times

When applying online or by telephone, we aspire to provide an initial decision within 30 minutes of receiving your application. However, your loan application must be submitted between the hours of 9:30am and 5:30pm on a normal weekday.

How quickly will I get the money?

Upon approval, the cash is paid out within one to two hours, provided that your loan has been submitted and processed during our standard business hours.

Guarantor loans

If you borrow over £500 you will need a guarantor who is over 18, employed and not a family member. As we lend to people with poor or no credit history, it is how we lower the risk of default on the personal loan repayment.

We protect your information

Dot Dot Loans will treat your personal information with the utmost confidentiality, in accordance with the Data Protection Act.

The innovative MOGObankconnect feature

MOGObankconnect is a swift and easy way to keep you up to date with your online banking transactional data which makes it even easier for you to create a budget or just better manage your finances.

Personal service is a guarantee

If you want to speak to one of our professional consultants about your loan application, give us a call today for the best loan service available.


Eligibility & Requirements

  •  18 years or older
  •  UK resident
  •  Earning a stable income
  •  Active UK bank account
  •  Bank statements
  •  Proof of address

Other Products & Services

  • PAYDAY Loans
  • PERSONAL Loans
  • QUICK Loans

Customer Reviews & Testimonials

Nifty little loan calculator is very handy - helped me see what the loan is really going to cost me.

Jayme H
— Birmingham —

I am an existing customer so reapplying for another loan was a breeze.

Lee-Ann J
— Manchester —

 Get in contact


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