Why Our Loans Are Different

At 118 118 Money, we specialize in providing personal loans for people with less-than-perfect credit. Our goal is to help you access fair, transparent, and reliable financing while supporting you on your journey to financial fitness. With us as your partner, you can work to rebuild your credit and take control of your financial future. Whether you need to consolidate debt, cover unexpected expenses, or plan a big purchase, we’re here to make borrowing simple and stress-free.

How We're Different: Fair, Transparent Lending

You deserve clear and honest terms, without hidden fees or confusing small print. That’s why every loan we offer comes with:

• Fixed monthly payments so you always know what to expect.

• No hidden charges—ever.

• A simple online application process with a decision often in under 60 minutes.

• Guaranteed rate offer using our eligibility check which will not affect your credit score

How We're Different: Loans Tailored to Your Needs

Whether you have a good credit score or have faced challenges in the past, we’ll work with you to find a loan that fits your circumstances. We offer loans ranging from £1,000 to £5,000 for terms up to three years, with interest rates fixed from the moment you sign up.

Build Financial Fitness and Rebuild your Credit

At 118 118 Money, you control the term of your loan. We assess your ability to make monthly payments so that you can confidently manage your budget. Missed or late payments will incur a £12 fee, but we’re here to support you if things get tough. By making consistent, on-time payments, you can demonstrate financial responsibility and improve your credit score over time. We’re committed to helping you take those steps toward financial fitness.

Cash in Your Account Within 24 Hours

We understand that time is of the essence when you need funds. Once your loan is approved, you could have the money in your account within 24 hours. Our streamlined application process ensures you spend less time waiting and more time focusing on what matters.

Your Trusted Lending Partner

Unexpected expenses can create stress, but we’re here to provide reliable support. Whether it’s by phone, email, or live chat, our friendly team is ready to help when you need us. We’re committed to lending responsibly, ensuring you never borrow more than you can comfortably repay.

Empowering You with Financial Knowledge

At 118 118 Money, we’re passionate about helping you take control of your financial future. Explore our Money Guidance section for:

• Practical tips on budgeting and saving.

• Free tools like our personal loan calculator to see how much your monthly repayments could be.

• Podcasts discussing improving underlying financial behaviours, managing expenses, reducing debt, and building savings. Learn more about how to manage your finances in our money guidance section

By improving your financial fitness and gaining the tools to succeed, you’ll be better equipped to rebuild your credit and achieve long-term stability.

• No-pressure lending

• Fixed interest rates and monthly payments to help you plan ahead.

• The option to adjust your loan if you need more credit and have made your repayments on time.

When you’re ready, start your journey with us. Use our loan calculator to find the perfect fit for your needs, and see why so many customers trust 118 118 Money for personal loans—even with bad credit.