Think Money Flexi Loan

578 reviews

140% Representative

Will lend between: £500 - £1,500

Over: 6 - 12 Months

Representative example: If you borrow £900 over 10 months at a Representative rate of 140% APR and an annual interest rate of 90.81% (fixed), you would pay 10 monthly instalments of £131.53. The total charge for credit will be £415.30 and the total amount payable will be £1,315.30.

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Think Money Flexi Loan customer reviews.

578 reviews

3.7 out of 5 stars

Our review of Think Money Flexi Loan

Think Money is a lender based in Manchester who created the Think Money managed current accounts as well as offering loans. The account was created to help users manage their finances and over 10 years, has hit 100,000 account holders. 

Once you've opened an account, you can apply for a loan from £500 to £1,500 for 6 to 12 months. You can pay this back in monthly instalments and the people at Think Money will help you budget for this. You'll have access to UK-based money managers, helping you to keep on top of your outgoings to help improve your credit score. 

However, the current account does charge £17.50 for single use and £24.50 for joint bank accounts per month, which can be fairly pricey but they could even accept customers that have missed repayments or have a CCJ or defaults on their credit file. The Flexi Loan comes with a representative APR of 140% which can be quite high but if you're being declined from other banks, this could be your only option. 

The usual warnings for loans apply and they should only be used in emergencies. If you're unsure you'll be able to make the monthly repayments then you may want to consider other alternatives.

Overall verdict: If you struggle with managing your finances and want help with managing your money,  then Think Money could be for you. However, there are loans and current accounts out there that at a much cheaper rate so make sure you compare your options. 

Written by: Mark


  • Borrow £500 - £1,500
  • As you will have to have a current account with Think Money they will fairly assess your borrowing capacity
  • Competitive rates

Minimum criteria

  • You must have a Think Money current account for at least 3 months
  • You must be aged 18 years or older
  • You must be a UK resident


  • Maximum APR 140%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

Think Money Flexi Loan Customer Question & Answers

Total question and answers: 3


I am already an account holder with yourselves so how do I apply online?
Barry soutar , at 12:20pm 13/06/17


There is no online application functionality at the moment. Please call 0161 672 8988 and one of our advisers will be happy to discuss further.
Answered in 2 days by thinkmoney


How do I apply if your already an exsisting customer as your website says apply for an account first
William watson, at 9:38am 10/06/17


Please call 0161 672 8988 and one of our advisers will be happy to discuss further
Answered in 5 days by thinkmoney


Sir / madam Thankyou for helping, Anyway I have been declined by a lender earlier today, do you accept poor credit score?
Samuel Neilson, at 1:05am 08/06/17


Rather than just using credit scores from credit bureaus, we aim to be as flexible as possible when assessing credit applications, but will always ensure the repayments are affordable. We only lend to customers with thinkmoney accounts and the conduct of the account contributes greatly to our decision.
Answered in 7 days by thinkmoney

About Think Money Flexi Loan

Think Money Flexi Loans are an unsecured loan option for loan amounts of £500 to £1,500 over periods of 6-12 months for Think Money Current Account holders. You must have had a Think Money Current Account for 3 months and paid in your income to be eligible to apply for the loan. 



Company information

Registration number: 05530040

0161 672 8910

Think Park Mosley Road Trafford Park Manchester M17 1FQ

FCA registration

Reference No: 685963

Trading names: Think Money (UK) Ltd

Place of business: Think Park Mosley Road Trafford Park Manchester M17 1FQ

Data protection registration

Registration No: Z9722822

Data controller: Think Money Limited

Address: Think Park Mosley Road Trafford Park Manchester M17 1FQ

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