Rating based on 83 reviews

118 118 Money


  • Personal loans up to £5,000
  • Low-interest up to 71.3%
  • Repayment up to 24 months

In-page navigation

118 118 Money homepage

Author 118 118 Money. Screenshot of 118 118 Money website. [Accessed April 22, 2020]

About 118 118 Money

118 118  Money was established in 2013.

In this 7 year, we have spent in the industry, we have been providing personalized financial solutions so that you can handle whatever lands in your path, to get back out there and get on.

We are a registered credit provider

The number of online scammers is rising regularly. Hence, we should assure you that with us you are safe. We are registered and authorized by the Financial Conduct Authority and the Financial Conduct Authority respectively. We adhere to all the UK’s lending rules and we lend responsibly. We make sure we protect all the documents you send to us because we do not want any of our customers to get scammed under our name.

What does 118 118 Money do best

We give the people of the UK the tools, resources, and products you need to embrace good financial habits and help build your credit score. We have a customer-centric approach that has helped over 100,000 UK customers so far and has resulted in a five-star Trustpilot rating.

118 118 Money aims

We are determined to provide better financial options today, so you can build a better future for tomorrow. At 118 118 Money we have a variety of products from loans to credit cards, our financial solutions ensure you can handle whatever lands in your path, so you can get on with your life. We strive to shake up the traditional UK financial services industry with our personal loan product.

118 118 Money Services

Choose loans that are designed around your needs.

118 118 Money has the most convenient loans in the market. All our products are accompanied by the lowest interest rates and are easily accessible.

The unsecured personal loans at 118 118 Money

An unsecured loan is the type of loan that does not require collateral when you apply for it. You borrow it from a bank or lender, intending to be repaid in the future. and you can borrow from £1,000 to £5,000 for over 1 to 2 years with fixed monthly repayments.

An unsecured loan can help you during unforeseen circumstances such as car repairs, necessary home improvement or maybe you need to consolidate other debts. An unsecured loan could help you get you back on your feet. A personal loan eases your financial worries.

Using a personal loan to consolidate debts

A debt consolidation loan could help you reduce your monthly repayments help you get out of debt quicker and make your financial position stronger. Paying your loan monthly shows your ability to pay off the debt to future lenders, which in turn increases your chances of getting credit further down the line. An unsecured loan provides you with a more structured and transparent repayment plan, so your debts can be more manageable and affordable. However, you are consolidating and extending the term of your borrowing, don’t forget that repaying borrowing over a longer-term may increase overall interest charges.

118 118 Money – Personal loan

  • Loan Type Personal loans
  • Interest Rate 71.3%
  • Loan Amount up to £5,000
  • Repayment 1 week to 24 months

Benefits of 118 118 Money

  • Use a personal loan to consolidate debt
  • A simple and transparent loan service
  • Fair and affordable loans

Personal loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

118 118 Money the financial solution you need

We have a simple application form, no unnecessary paperwork.

At 118 118 Money, you can check if you’ll be accepted for a loan without affecting your credit score. You will get no hidden fees, we keep things simple, transparent, and easy.

How to apply for 118 118 Money services

When you need our loan, you can apply for it by visiting our website. However, before attempting to apply you should first make use of our online calculator. A calculator will help you determine the amount, interest rates and instalments of the loan you want. After you have determined those, you can proceed with the application by filling your details and submit your application.

Required information when you apply online

  • Full name
  • Mobile phone number
  • Email address
  • Home address
  • Employment history
  • Net monthly income
  • Outgoings
  • Bank details

What do you need to get a personal loan at 118 118 Money

  • At 118 118 Money, we do not ask for unnecessary documents. But you should have the following:
  • Be a UK resident between 18 and 70 years.
  • Be a UK bank account and debit account holder.
  • Have a monthly income of £700 and more

At 118 118 Money, we believe in giving people second chances in life. If your application got rejected on your first attempt, you can reapply provided that your financial situation got improved.

Ways of getting hold of 118 118 Money

You can get hold of us through our website or call us. We are only available on calls during working days. If you are already an existing member you can download our app and access self-service. For more details about 118 118 Money, you can visit our social media pages such as Facebook, Twitter, and LinkedIn.

Customer Reviews & Testimonials

December 2019

I am so happy by how easily accessible 118 118 Money is.

Marie U
— Scotland —

June 2019

I will never get over how low the interest rates I got from 118 118 Money is

Mary B
— London —

118 118 Money Contact

Physical Address

  • The Pinnacle, 170 Midsummer Blvd Milton Keynes MK9 1BP United Kingdom
  • Get Directions

Opening Hours

  • not available