We’ve all been there. Your car makes a noise it’s never made before, something isn’t working right and you get that feeling in the pit of your stomach as the mechanic approaches you with that look on their face.

For many of us a car is a necessity. Without it we can’t get to work to earn a living, get the kids to school or go food shopping.

The repair costs may be higher than what you were expecting, but it’s cheaper than getting a new car and how are you supposed to keep your job if you can’t get there?

So what are you going to do?

We’ve got your back

Car repairs are often unexpected and can leave you short on money for other essential items, such as bills and living costs.

With a car repair loan, 118 118 Money can offer you an affordable loan to help you cover the costs and get you back on the road to a healthier financial future.

I haven’t got time to fill out lots of forms

Then you’re in luck!

Our 4-step application form is quick and simple with no hidden fees, and can be done online.

We will ask what the purpose of your loan is, and then we’ll ask for your income and all your outgoings so we can measure them against each other.

This will help us work out the most affordable option for you.

After your loan is approved, we aim to deposit money into your bank account within 24 hours.

How much can I borrow?

At 118 118 Money we offer straightforward unsecured personal loans from £1,000 to £5,000. What’s more, repayments are spread over 12 months, 18 months or 24 months with fixed, manageable monthly payments.

We offer an APR of 99.9%.

What if my credit score is less than perfect?

118 118 Money is for everyone.

We understand that having an imperfect credit score is a common problem, however we also know that this doesn’t mean you can’t pay back an emergency loan, even if you’ve had credit problems in the past.

If you can demonstrate stability and show that the monthly repayments are affordable then we can help.

In the meantime, check out our top tips on improving your credit score.

Sounds great 118 118 Money! How can I apply?

You can apply online now or if you’d like to chat to us about your loan application, just call us on 08000 118 000 or 02920 893300*
We’re here for you 24/7.

(*08000 118 000 is free from UK landlines. Calls from other networks and mobiles may vary. 02920 893300 is charged by your provider as a UK national number.)

Representative example: Amount of credit £1,810.48 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £143.48. Total amount repayable: £3443.52. Representative 99.9% APR.

Rates from 35.9% APR - 99.9% APR fixed.