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?
  • 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.
  • A criminal record for fraud makes it harder to get a loan. Correct! If you have a criminal record for fraud it will make it harder to obtain a loan. Incorrect: If you have a criminal record for fraud it will make it harder to obtain a loan.
  • Working for an overseas company compromises your chance of getting a loan. Correct! If you are out of the country for more than 6 months you may be considered to be a higher risk. Incorrect: If you are out of the country for more than 6 months you may be considered to be a higher risk.