Rating based on 38 reviews

Personal Loans offered by 118 118 Money

image of 118 118 Money
image of 118 118 Money

About 118 118 Money

Apply online for one of our loans when you need cash in a flash.

In 2013 we first launched our services in Britain, we are here to shake up the financial industry by offering personalized financial solutions that are customized to meet your individual needs and suit your wallet. We shook up the industry by providing the first-ever subscription-based credit card and our unsecured personal loan offers are the best in the industry.

Empowering tools and resources

The interactive website has a large range of resources that are available to use for free that were designed to help take the stress out of applying for an online personal loan. Use the tools to get a basic idea of how much a loan would end up costing you. We aim is to help you build a better financial future for tomorrow.

Our loans are different

Our fast loans are not like traditional loans, there are no confusing contracts, hidden fees or tricks to trap you into debt.  Apply online by completing the application form and our system will let you know the amount that you qualify to borrow. Responsible lending is very important to us and we will never lend you more money than you can afford to repay.

Your online loan application will be reviewed and you will receive an outcome if your loan is approved the cash can be paid into your account within 24 hours.

Monthly repayments are fixed so you always know how much you need to pay each month.

What 118 118 Money can offer you

If you have a bad credit history we will still be able to assist you with one of our online bad credit loans.

We encourage you to shop around, in fact, we are so confident that you won’t find a better deal that we will hold your loan agreement for 5 days so that you can make sure you are getting the best deal.

Customise and control the terms of your loan

You will be in complete control of your personal loans from the start to the end. Select how much you would like to borrow. 

Our personal loans allow you to lend between £1,000 and £5,000 over the maximum period of 2 years.

Do you qualify?

The interest rate that we charge is very favourable and you can choose to pay us back over weekly or monthly instalments.

To apply you need to meet the following criteria:

  • Be over the age of 18
  • You must be a resident of the UK
  • Have a stable full-time job
  • You will need to have an active UK bank account in your name

You will need to supply:

  • A copy of your bank statement for the last 3 months
  • Proof of residence

Interest Rate

From 0 %

Loan Amount



Repayment Term


0 months

Here’s a short video about 118 118 Money

In a Nutshell

  •  Online application
  •  In-store application
  •  Bad credit consideration

118 118 Money has the financial solutions you are looing for

An unsecured personal loan allows you to borrow money without having to secure your loan using an item of collateral.

Borrow between £1,000 and £5,000 over a 2 year period with no risk.  An unsecured personal loan can be used for anything as there are no restrictions attached to them.

Will your loan be approved? Find out before you apply

Applying for loans could be damaging to your credit score if you apply to multiple lenders separately. Use the tool available on our website to find out if your loan application will be approved before you apply. This application will have no impact on your credit score and you can find out exactly how much you qualify to borrow.

By using this tool you can be sure that your loan application will be approved before you apply and if your loan application is declined then you will know without damaging your credit score.

Cash in your pocket within 24 hours

Applying online for one of our personal loans only takes a few minutes and if your loan is approved then the cash will be paid directly into your account within 24 hours.

Never miss a loan payment

To ensure that you never miss a payment on your loan we will send you a reminder a few days before the time.  If you want to make additional payments during the month you are encouraged to do so and you won’t be charged any penalties for doing so.

Set up a direct debit to run automatically so you don’t need to stress about late fees or that you forget a payment.

Use your unsecured personal loan to consolidate your debt

An unsecured personal loan can be used to consolidate your debt into one easy to manage loan. This method could help you get out of debt quickly and free up some much needed extra cash.  Pay off all your outstanding debts with one larger loan.

By consolidating your debt you will only need to worry about one monthly repayment at a much lower interest rate.  As you know exactly how much you need to pay on your loan each month, you will be able to budget more efficiently.

By not having multiple accounts you will save money on penalty charges and late fees as well as improve your credit score.

Eligibility & Requirements

  •  18 years or older
  •  UK resident
  •  Employed full-time
  •  Self-employed
  •  Active UK bank account
  •  Photo ID
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • PERSONAL Loans
  • SHORT-TERM Loans
  • BAD Credit Loans

Customer Reviews & Testimonials

Their vast online resources really did make me feel empowered to take control of my finances.
They offer a wide range of personal loan options to suit anyone!

Denica H
— Oxford —

The interest rate could be better, but the money was in my account in less than 24 hours which counts for something indeed!

Maddox S
— Leeds —

The application process was all online and very quick and easy, I was happy when the funds were transferred to my account within 24 hours after I was approved.

Lizabeth B
— Winchester —

 Find us here

Dumballs Rd, Cardiff
CF10 5BF

Postal Address

Fusion Point, Dumballs Road, Cardiff, CF10 5BF, UK

 Opening hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:00 – 20:00
  • Sunday 08:00 – 20:00

 Get in contact

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