118118 Money

118118 Money

Making borrowing better for everyone

4.2Paul's rating
NUDGE SCORE
9
REP APR
49.9%
LOAN RANGE
£1,000–£8,000
PAYOUT SPEED
2–24 hours
BAD CREDIT
✓ Accepted
Apply for a 118118 Money loan →

You will be redirected to the lender's website to complete your application.

P
Paul's Verdict
Paul · Head of Lending Research & Content

118118 Money is a well-established personal loan provider with one of the most competitive APRs on our panel. The application is straightforward and the 49.9% rate is significantly lower than most short-term lenders. If you qualify, this should be your first stop.

Who is 118118 Money best for?

Best for borrowers with fair-to-good credit who need £1,000 or more and want a competitive rate from an established lender.

Pros and cons

Pros

Competitive APR at 49.9%

Loans from £1,000 up to £8,000

Accepts borrowers rebuilding credit

Clear, transparent terms

Cons

Minimum loan £1,000 — not for small amounts

24 hour payout — not instant

Can I apply?

UK resident aged 18+
Regular income
Active UK bank account
No current bankruptcy

Common questions about 118118 Money

What credit score do I need for 118118 Money?
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How quickly does 118118 Money pay out?
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Can I repay my 118118 Money loan early?
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Is 118118 Money FCA regulated?
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What is the maximum I can borrow from 118118 Money?
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118118 Money
118118 Money
Rep APR49.9%
Loan range£1,000–£8,000
Payout speed2–24 hours
Bad credit✓ Accepted
Apply now →

Representative example: Borrow £1,000 over 18 months. Rep APR 49.9%. Monthly repayment £68. Total repayable £1,224.

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