How it works

  • Easy online application

    Easy online application

    Simple online application form, that takes minutes to complete.

  • Quick application review

    Quick application review

    118 118 Money will evaluate your application, and promptly let you know if you qualify.

  • Get your cash!

    Get your cash!

    Once accepted the money could be in your account within 24 hours.

Got your back

  • Rates from 35.9% APR
    Rates from 35.9% APR
  • Honest credit guidance
    Honest credit guidance
  • Fixed monthly payments
    Fixed monthly payments
  • Late fee refund
    Late fee refund
  • No interest on your birthday
    No interest on your birthday

Is a 118 118 Money loan right for you?

Complete our short credit profiler below to find out.

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Top 10 tips on how to improve your credit rating

  1. Check your Credit Report
  2. Cancel unused credit cards
  3. Spread out credit applications
  4. The right address really matters
  5. Get on the electoral roll
  1. Get a landline phone
  2. Keep your credit links clean
  3. Stay within credit limits
  4. Pay all bills on time
  5. Demonstrate stability
True or False?
  • Credit scoring can make a difference to what deals/offers are available to you. Correct! Companies will make offers based on your credit score. Incorrect: Companies will make offers based on your credit score.
  • Having a student loan will reduce your credit rating. Incorrect: A student loan should not appear on your credit file so should not affect your credit score. Correct! A student loan should not appear on your credit file so should not affect your credit score.
  • Being a civil servant or working in local government boosts your credit rating. Incorrect: Civil service or local government employment will not boost your credit rating. Correct! Civil service or local government employment will not boost your credit rating.