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?
  • You can get blacklisted if you have defaulted on a loan in the past. Incorrect: There is no such thing as being blacklisted, but not paying on a loan might have an impact on who will lend to you. Correct! There is no such thing as being blacklisted, but not paying on a loan might have an impact on who will lend to you.
  • You can improve your credit rating by providing a landline number rather than a mobile number. Correct! Showing signs of financial stability, such having a landline, can positively affect credit rating. Incorrect: Showing signs of financial stability, such having a landline, can positively affect credit rating.
  • Checking your credit score will affect your credit rating. Incorrect: Checking your credit score will not affect your rating; in fact, it is a good idea as you can make sure facts in it are correct. Correct! Checking your credit score will not affect your rating; in fact, it is a good idea as you can make sure facts in it are correct.