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118 118 Money: Personal loan reviews

Name: Personal loan
Rating: 4.89 (1815 reviews)

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4.89

Based on 1,815 reviews, last reviewed 21st Jan 2026

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I'm very happy with everything and specifically with... I'm very happy with everything and specifically with people on the phone they're so nice Reviewed on: 9th October 2025

Latest lowest rating:

1

Had a loan and didn't realise I was paying double... Had a loan and didn't realise I was paying double back Reviewed on: 21st January 2026

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About this product

118 118 Money offer personal loans from £1,000 to £5,000 over 12 to 36 months.

You can check your eligibility for a 118 118 Money loan with no impact to your credit score. If you’re approved, you can receive funds within 15 minutes of checking your offer and agreeing to the Direct Debit.

118 118 Money personal loan reviews help you find out what it’s really like to be a customer. If you’ve used 118 118 Money before, you can also leave a review and share your experience.

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118 118 Money Personal loan reviews (1815)

Very straight forward and easy to navigate through t...

Very straight forward and easy to navigate through the whole process Reviewed on: 15th April 2025

Very straight forward to apply for a loan

Very straight forward to apply for a loan, the steps were nice and clear in plain English. The App is very useful too. Reviewed on: 15th April 2025

Easy to apply and the process was very straightforward

Easy to apply and the process was very straightforward Reviewed on: 15th April 2025

Ok for an emergency

Fast an easy, costs were all clear, however during application it said i could make extra payments to lower term/ total cost, after the loan this feature is not available... i would not of used 118 had i.known this as the apr is very high. I would not reccomend as i feel slightly misled Reviewed on: 15th April 2025

Amazing people

I found it really easy to apply for a loan and the communication was excellent and the value for the loan was great would definatly recomend to family and friends in need of a loan Reviewed on: 15th April 2025

Good customer service.

Good customer service. Great st helping with my worries Reviewed on: 15th April 2025

Quick and easy.

Quick and easy. Hassle free, money in my account in a couple of hours Reviewed on: 15th April 2025

Easy to deal with.

Easy to deal with. No fussing around or any problems Reviewed on: 15th April 2025

No hassle to set up or use the app, when I had an is...

No hassle to set up or use the app, when I had an issue with my debit card (my own fault) which was quickly resolved. Recieved the loan in under half an hour. Really pleased. Reviewed on: 15th April 2025

Fast, simple to use, the app is clear and helpful.

Fast, simple to use, the app is clear and helpful. Reviewed on: 15th April 2025

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