118 118 Money

APR: 99.9% Representative
Loan amount: £1,000 - £5,000
Repayment duration: 12 - 24 Months
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118 118 Money customer reviews

2.6 out of 5 from 151 reviews

Never again

08:57 20-01-2017

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I would not get a loan from 118 again as I have been paying all on time. Right now I am paying interest and my circumstances have changed so I asked if I could change my payment date to sometime next month but they were no help at all. I took a loan of 1000 and am paying back 2300 over 24 months.


Quick and easy

16:30 17-10-2017

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Easy to apply and quick decision and get find in the same day.


The interest rates are ridiculous AVOID

01:37 06-01-2017

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Borrowed 1000 so far paid back £1200 and still have another £1000 to pay off. Needed the money as it was an emergency but have regretted taking it out ever since. AVOID no better than pay day loans

L McCall

Quick big help!

11:54 02-07-2017

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Short notice loan was paid out the same day. Helped me out big time, big weight off the shoulders thank you.

Lewis Goggins

Time Wasters

10:27 16-12-2016

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Hi applied for a loan and was told that I had been accepted, all I needed to do was supply two docs for identity checks, which I did. I then got at text to say " Good News your money could be paid out today, please call us" but when I called they just wanted a coloured copy of my ID. After jumping through various hoops and being told that everything was OK. I got an email to say it was declined. Luckily I managed to sort something else but was seriously annoyed that the wasted my time. Why don't they just decline you straight away? Terrible customer service !


Was fast

16:45 30-06-2017

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If you don't like money then borrowing money from here is great but is the same with all these sits it will ruin your life if you miss a payment


It is what it is

21:52 14-12-2016

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High APR but thats to be expected from a lender that accepts people with a poor credit history who cant get finance from one of the main high street lenders. Painless online application with clear and upfront info regarding terms, conditions and fees. I got a phone call to confirm my bank details a few minutes after submitting my application and received the funds within 24hrs. Very helpful and friendly staff and online chat too. Youll certainly find lower APRs around with other lenders so if youve got the credit history then go for that but if thats not an option then 118118 are probably the best option around.


Friendly professional service

08:43 23-06-2017

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The staff are great. Very friendly and helpful. Excellent service. Would highly recommend.

Scott Graham

Steer clear

17:37 28-11-2016

Imagevia Choose Wisely

Absolutely shocking had repayments of 190 a month then when I lost my job I phoned to explain and got the payments down that's where the problems started anytime I put money into the bank they took it that day as if they knew when I had money going in each time was 190 taken not the amount agreed on for lower repayments absolutely shocking and didn't care when I phoned them about it either so now they can chase me


easy and straightforward

18:29 19-06-2017

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they were easy and direct and helpful

cris owun

Our review of 118 118 Money

Our review by Alex
Written by: Alex
Consumer sentiment


118 118 Money is the sister company of 118 118, the directory enquiries service commonly associated with skinny runners, dubious moustaches and bushy black afros. 118 118 Money provide unsecured loans from £1000 to £5000, pitching themselves as a solution for those with a less than perfect credit file. To cater for this market 118 118 Money advertise a Representative APR that sits them at the pricier end of the scale. However, what makes 118 118 Money an attractive offering to bad credit borrowers is the fact they don’t require a guarantor to support an application.

When applying for a loan with 118 118 Money you will have to complete their online application form – although they have a phone help team (which by all accounts is very helpful), 118 118 Money don't take applications on the phone. They do aim to provide you with a decision as soon as possible and claim that this can be within 60 minutes. In reality, I would allow a bit longer, but once approved funds should be transferred into your account within 24 hours. This is all well and good...if you get accepted. Based on feedback from Choose Wisely customers, acceptance rates do seem to be quite low. Saying this, 118 118 Money have an excellent status on feefo.com, which at time of writing had received 2487 excellent reviews from 3954 with particular mention of their high customer service levels.

It’s worth noting that when borrowing from 118 118 money you will not be charged interest on your birthday. This won’t make a huge difference to your payments in the whole grand scheme of things but it’s a nice touch none the less.

Overall verdict: If you have a poor credit history and can’t find a guarantor then 118 118 Money are a lender that definitely should be in your shortlist. If you don’t match their criteria then there are various options available that will be better suited.


  • Quick application
  • No interest charged on your birthday
  • Customer service available 24/7
  • Overpayments made without charge

Minimum criteria

  • You must be aged 18-70
  • Apply online
  • UK residents only
  • You must have a bank account & debit card
  • Net monthly income of at least £700


  • Maximum APR 99.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £12

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About 118 118 Money

118 118 Money is a trading name of Madison CF UK Limited and the sister company of well-known directory enquiries service 118 118. 118 118 Money provide unsecured loans from £1,000 to £5,000 with fixed monthly repayments usually spread over one to two years. Depending on your individual circumstances the interest rate you're offered will change however, you won’t be charged any fees by 118 118 Money.

The application is completed online with applicants sometimes receiving a decision in under an hour. Successful candidates can receive their payout within 24 hours but will need to meet certain criteria, such as being aged between 18 and 70 years old, be a UK resident, hold a current bank account with debit card facilities and be either employed or self-employed receiving a net monthly income of more than £700. However, you do not need to have a perfect credit history to apply with 118 118 Money.

Repayments will be made on a monthly basis via direct debit and can be managed using their online account management system. Throughout your loan term 118 118 Money allow for partial or full repayment of your loan to be paid at any time – just give them a call.

This profile has been claimed
Provider last seen: 2:24pm 1/11/2016
Product data last updated: 3:58pm 13/10/2017
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk