• To consolidate spiralling debt
  • To repair your car
  • To cover the cost of a broken down home appliance

It can be unnerving to find yourself in need of a loan. Nobody can be expected to know when unforeseen circumstances are going to impact their life, and you can rarely be prepared for such situations.

Whatever your needs are, when it’s urgent and you can’t wait, we may be able to help.

What if my credit score is less than perfect?

118 118 Money is for everyone. We take the time to find out what you need the money for. We then look at your income and measure it against your outgoings so we can recommend the best and most affordable solution for you.

We understand 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.

118 118 Money can help

We understand there are times when sudden, emergency expenses can disrupt your life and you simply don’t have the funds to take care of them. This can lead many people to take out a short-term loan without really considering their lender, which may not result in the financial security you’re looking for.

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.

After a simple 4-step online application form (with no fees!) we aim to deposit money within 24 hours of loans being approved.

And remember, our loans are intended to be a temporary solution to an immediate financial problem. Because when you’re financially stable, you can begin to save for those unexpected expenses that will inevitably come up in the future.

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.

Apply Now

(*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 £1,800 for 24 months. Interest rate: 71.3% pa (fixed). 24 scheduled monthly payments of £142.65. Total amount payable: £3,423.67. Representative 99.9% APR.

Rates from 35.9% APR - 99.9% APR fixed.