Find your perfect loan from 118 118 Money

A personal loan can offer a lifeline in many situations. Whether you need to pay for unexpected car repairs or want to take your family on a much-needed summer holiday, our unsecured personal loans can help.

118 118 Money is part of 118 118, the popular directory assistance service. We joined the financial services market in 2013, and ever since we have been providing personal loans to a wide range of customers, including those with a less than perfect credit score.

We always look for solutions so that customers can have money when they need it most. Regardless of your circumstances, we understand it’s important to look beyond your credit profile, which is why we review every application individually.

Different loan terms to suit

We offer personal loans over three different terms, enabling you to choose the option that best suits you. We offer loans over 12 month, 18 month and 24 month periods so that repayments can be spread out in set monthly instalments.

We lend responsibly. This means we only issue customers with loans that they can comfortably afford. After all, we don’t want you to get into more debt. You can borrow between £1,000 and £5,000 to pay towards any emergency or occasion when you need a little financial help. Whether you need a personal loan to replace essential items such as a washing machine or TV, funds to cover unexpected bills, you can apply for a 118 118 Money loan online today.

Unsecured 118 118 loans

There are a number of different personal loans available on the market, but the main types include secured, unsecured and guarantor loans.

We offer unsecured loans, which means you don’t need to put an asset such as your home or car against the loan, nor do you need to seek a guarantor, who will be responsible for paying any outstanding debt, should you fall behind on the agreed repayment plan. For this reason, interest rates tend to be higher but they provide the safest option for borrowers in the long-term.

All of our products are offered on a fixed-rate basis. This enables you to better manage your finances, since the interest rate will remain the same throughout the loan period. Unlike variable loan rates, your repayments will not be at risk of changing from month to month.

Easy ways to pay

We review applications with one aim in mind: to try to provide you with money when you need it. It can be difficult to find cash, so it’s our goal to help ensure you are not caught short. It’s really simple to apply online and the money could be in your account within 24 hours.

Repayments are taken in monthly instalments by direct debit. You can also pay over the phone, via internet banking or by visiting any Barclays Bank branch. We don’t charge any hidden fees or upfront payments, but as with all lenders, you will be charged an Annual Percentage Rate (APR). This accounts for the interest and charges that you will need to pay in one year and will vary between different lenders. We offer an APR of 99.9%. The rate you receive is based on the information supplied in your application and on your credit file.

It’s important that you shop around and compare the different loan rates before choosing a product from a lender.

No interest to pay on your birthday

As valued customers, we like to do something nice on your birthday. We believe birthdays should be a special day filled with lots of nice surprises and so as a gift from us, we’ll refund one day’s interest on your actual birthday; just think of it as a special thank you.

Find out more about our monthly loans.

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.