The Money Shop

2845 reviews

1140% Representative

Will lend between: £50 - £2,000

Over: 3 - 12 Months

Representative example: Representative Example: If you borrow £300 over 4 months at a Representative rate of 1,140% APR and an annual interest rate of 292% (fixed), you would pay 4 instalments of £145.72. The total charge for credit will be £282.65 and the total amount payable will be £582.65.

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  • No impact on your credit file.
  • Free personalised eligibility score.
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The Money Shop customer reviews.

2845 reviews

4.6 out of 5 stars

money shop
21:08 27-12-2012
ImageChoose Wisely

Very friendly people, needed only £120 when nobody could help, as i only work partime, interest is 150 seeing as i will get overtime this month, do not borrow any more than u need. My needs were met for that time, Thank you.


Exorbitant interest
05:25 20-06-2017
ImageSmart Money People

The interest rate on these loans provider are way too exorbitant. I cannot recommend them to anyone

Adeyemi Bamidele

Always so simple
23:40 08-06-2017
ImageSmart Money People

As above ! Quick, simple and not too pricey

Jade Gilbert

Ok place
22:47 08-06-2017
ImageSmart Money People

Could be better like send texts when your supposed to pay each month.

Alexandria julouis

Fast money
15:52 29-04-2017
ImageSmart Money People

Was a fast service money was transferred same day when needed recommend the money shop to everyone

Noor Miah

Messed around
10:51 05-09-2016
ImageSmart Money People

I applied for a loan at the money shop went through everything was approved had to up load proof of ID etc etc then i receive a email saying we are unable to make the deposit to you're account please phone to confirm debit card details so I phone up then the women says I have been declined because there is constant checks etc but if I've been approved why am I still getting checked and why send an email stating please phone to confirm you're debit card details if I have been declined so yeah this place can honestly f##K off because messing people around isn't the best thing to do...

Joey Edwards

Friendly - Quick and Easy!
20:25 11-06-2016
ImageSmart Money People

When times are a bit stretched i use the Money shop - They are by far the best lender i have used, Always helpful, easy and quick to deal with.

Sophie Marie Cartwright

Great customer service
16:14 10-06-2016
ImageSmart Money People

Everything I asked was explained clearly so I had a better understanding about their products

Jairos Munyaradzi

a few short-term gold loans
17:28 29-05-2016
ImageSmart Money People

pro's: great staff, clear product, simple and private loans when neccesary con's: the interest is very high, the local shop closed down so now i must go 11 miles to do business with them. lagging bit behind on the online aspect, i would use them more if i could manage my account online ie:payments etc.

Lerizzle McNizzle

Quick application and hassle free
10:42 29-04-2016
ImageSmart Money People

Great help when needed the most, fair interest rates and manageable repayment.


Our review of The Money Shop

The Money Shop offer loans of between £50 and £2,000 with the option of repaying over instalments of between 3 and 12 months. Paying the loan back over a series of months will make the individual payments more affordable, however at these rates borrowing from The Money Shop should not be considered a long term solution.  

When borrowing from The Money Shop you’re offered complete control of your loan via The Money Shop’s online management portal. You can use this portal to view your current balance,keep your details up-to-date and if needs be apply for another loan. You can also do all these things in one of their branches nationwide. This is especially handy if you prefer doing things face-to-face or are not particularly computer savvy.

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply.

Overall verdict: The Money Shop provide all the standard features you’d expect nowadays from a high-cost short term lender whilst advertising a competitive representative APR. A word of caution, if you are looking to borrow an amount at the higher end of Money Shop’s offering then pop over to our sister site Choose Wisely, as you’ll be able to access much better rates.

Written by: Alex


  • You can choose from 6 loan products to suit you
  • Sign the loan agreement electronically
  • Manage the loan or reapply using the online account
  • No fees charged for late payments, arranging the fee or early settlement

Minimum criteria

  • You need to be aged over 18
  • You must be a UK resident
  • You need to be permanently employed, receiving pension or disability/living allowance
  • You must earn at least £417 after tax per month
  • You must have a bank account with debit card


  • Maximum APR 1140%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

The Money Shop Customer Question & Answers

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About The Money Shop

The Money Shop offer high-cost short-term loans between £50 and £2,000 that can be repaid in instalments between 3 and 12 months at a representative APR of 1140%. The amount that you can borrow will be determined by your personal circumstances and credit history.

You can apply for a loan with The Money Shop online, and if approved you will be shown up to six loan offers from which you’ll need to choose the most financially suitable or your circumstances. After you’ve selected your loan you will asked to electronically sign the loan agreement – if this is before 3pm then you’ll receive the loan the same day.

During the application you’re also be provided with login details to an account management portal. Within this portal you will be able to view the details of your current loan, make any repayments,update your personal information and apply for any future loans.

If you miss a payment, you won’t face a penalty charge and you won’t be charged any additional interest by The Money Shop.

Company information

Registration number: 2685515

0800 652 4661

Unit 1, Castle Marina Road, Nottingham NG7 1TN

FCA registration

Reference No: 681750

Trading names: Instant Cash Loans Limited, The Money Shop

Place of business: 6 Bevis Marks, London, EC3A 7BA

Data protection registration

Registration No: Z6250344


Address: 6 Bevis Marks, London, EC3A 7BA

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Warning: Late repayment can cause you serious money problems. For help, go to