• No interest on your birthday
  • Great rates on loans
  • Top customer service team
  • Speedy application process

“At 118 118 Money not only do we offer you loans but we also like to make you smile.”

How we make you feel special

Some businesses like to send a birthday card or an email wishing you a happy birthday. The 118 118 team did suggest they knocked on your door and sang to you…but we’ve heard them sing! Instead, we have decided that if you take a loan with 118 118 Money we will not charge you interest on your birthday.

How the ‘no interest on your birthday‘ works

Here at 118 118 Money, we believe that you shouldn’t have to worry about things like interest rates on your birthday. So, the amount of interest that we would normally charge you for that day is refunded directly into your bank account.

Does this affect monthly payments?

To keep things simple and transparent, your monthly payments will stay the same. There are no complicated adjustments or credits made to your loan account – we simply gift your birthday interest into your account.

Making you feel special everyday

Of course we value you every day so there are a number of other benefits with being a 118 118 Money customer. We have a dedicated customer service team available to answer any of your questions 24/7, whether you already have a loan with us or whether you are considering one for the first time.

We offer honest advice on the phone and via our website to ensure you only commit to a financial solution that is best suited for your individual needs.

It’s a big market out there and there are a large number of organisations that offer personal loans such as banks, high street retailers and online independent lenders. It’s always advisable to research and compare what’s in the market before you make a decision about your loan provider. A poor financial decision can end up affecting you for quite some time.

What can 118 118 Money offer

We offer straightforward unsecured personal loans from £1,000 to £5,000 with repayments spread over 12 months, 18 months or 24 months.

What are the interest charges with 118 118 Money?

We offer an APR (annual percentage rate) of 99.9% and your monthly payments for your loan are fixed.

Poor credit score? You can still apply and get a good rate!

Just because your credit profile is letting you down, doesn’t mean you should have to deal with rough interest rates.

Not many people have a perfect credit score so if you can demonstrate financial stability and show that the monthly repayments are affordable then we can help.

Another benefit to a 118 118 Money Loan

We aim to deposit money within 24 hours of loans being approved.


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.