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118 118 Money: Personal loan reviews

Name: Personal loan
Rating: 4.76 (4612 reviews)

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4.76

Based on 4,612 reviews, last reviewed 29th Jun 2026

131% increase in 5 star reviews

in the past 90 days

75% increase in 1 star reviews

in the past 90 days

91%

Latest highest rating:

5

Quick money on the same day, not even noticed the re... Quick money on the same day, not even noticed the repayments going out each month either Reviewed on: 29th June 2026

Latest lowest rating:

1

You want to waste time applying for a loan. 118 Money gave me pre-approval for a loan and accepted my application. They even set up my debit card, but after that, they just kept saying my applic... Read more Reviewed on: 26th June 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 (4612)

Positive

Super , and fast service . Apply and 1 hour was done Reviewed on: 13th April 2026

Very easy to use

Very easy to use and app keeps you up to date on where you are although loan interest rates are a little high Reviewed on: 12th April 2026

118 The great way to borrow

Clear and straightforward application process. Regular updates and reminders about payments due and remaining balance owing. I feel confident about both the affordability of my loan and in managing the repayments. Reviewed on: 12th April 2026

From application to completion and acceptance your u...

From application to completion and acceptance your updates was great and put my mind at ease Reviewed on: 12th April 2026

Never again

Bad apr these companies are there when you need money I’d never do it again nearly paid double the amount I borrowed and bad customer service too and forever messaging you and pestering you to make sure have enough money to cover your direct debit Reviewed on: 12th April 2026

Loan account

Over the past 6 years i have had 2 loans from 118 they have been easy to apply for and affordable i never miss a payment you receive payment reminders every month to keep you on track there are no drawbacks very satisfied with them thankyou Reviewed on: 12th April 2026

The design is very human.

The design is very human. It understands you’re not a robot and tries to make situations easier for you if the opportunity allows Reviewed on: 12th April 2026

Gave me a loan with poor credit.

Gave me a loan with poor credit. But still reasonable interest rate Would certainly recommend Reviewed on: 12th April 2026

There 10 out of 10

There to help me when I needed it , great service and easy application Reviewed on: 11th April 2026

Absolutely crucified on interest, so essentially I’v...

Absolutely crucified on interest, so essentially I’ve paid 2.5 times the initial loan value. In previous times, it’s called loansharking when people are desperate. Reviewed on: 11th April 2026

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