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?

  • There are ways to protect your credit score. Correct! There are many ways to protect your credit score, such as ensuring you keep up with payments on any credit you have. Incorrect: There are many ways to protect your credit score, such as ensuring you keep up with payments on any credit you have.
  • Applying for lots of credit will not impact your credit rating. Incorrect: A number of credit searches in a short space of time can be a sign of being in need of financial assistance. Correct! A number of credit searches in a short space of time can be a sign of being in need of financial assistance.
  • Being self-employed automatically lowers your credit score. Incorrect: Being unable to provide evidence of your earnings may affect your credit score. Correct! Being unable to provide evidence of your earnings may affect your credit score.