The One Stop Money Shop

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295.6% Representative

Will lend between: £200 - £1,000

Over: 6 - 12 Months

Representative example: If you borrow £500 over 12 months at a Representative rate of 295.60% APR and an annual interest rate of 95% (fixed), you would pay 12 monthly instalments of £81.25. The total charge for credit will be £475 and the total amount payable will be £975.
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Our review of The One Stop Money Shop

The One Stop Money Shop is a specialist short term lender based in Yorkshire. They provide loans with a flexible repayment plan which are available for customers with a poor credit history or CCJs. The company focuses on local customers in the Wakefield area, but anyone can apply online using their website.

Loans with a value from £200 to £1000 are offered by The One Stop Money Shop, for repayment over 6 to 12 months. With no fees, they cater to consumers who may not be able to get a loan elsewhere and they don’t require security for borrowing. This means that you won’t need to put up property such as a car or house when applying for the loan. However, it’s important to remember that short term loans are an expensive way to borrow and you should consider all your options before applying.

Overall Verdict: If you’re searching for a loan and have a poor credit history or CCJs, it’s worth looking at The One Stop Money Shop. However, you should consider that they are a small lender without a proven record for customer satisfaction. When you’re looking for a short term loan, it’s worth comparing your options to make sure you’re getting a good deal. Don’t forget to check that you can afford the repayments before applying.

Written by: Chris

Highlights

  • You could receive your loan on the same day
  • Choose weekly or monthly repayments
  • CCJs and bad credit history considered
  • You don't need to own your home
  • No fees

Minimum criteria

  • You must be over 30 years of age and under 65
  • You must have been at your current address for 4 years or more
  • You must have been in your current job for 3 years or more
  • You must be in full time employment

Fees

  • Maximum APR 295.6%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About The One Stop Money Shop

The One Stop Money Shop is a lender specialising in loans for those with poor or no credit history. They offer loans from £200 to £1000, repayable over periods of 6, 9, or 12 months. 

Company information

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