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118 118 Money: Personal loan reviews

Name: Personal loan
Rating: 4.88 (1812 reviews)

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4.90

Based on 1,812 reviews, last reviewed 9th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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

Dreadful to deal with. Awful if you miss/delay payment you will be hounded with texts, emails & phone calls if you answer the phone all you get is a recorded message telling... Read more Reviewed on: 1st August 2025

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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 (1812)

Swift and easy application process

Swift and easy application process, I spoke with them following application and they were friendly and knowledgable Reviewed on: 15th April 2025

I asked for a settlement fee for my loan, I pay the...

I asked for a settlement fee for my loan, I pay the ammount asked for, but they said they had to pay me £10 back first which would take between 2 and 24 hours to receive that was 7 days ago and have contacted them 3 times now and got different stories each time also the app is showing i still owe £7.99 which wont go to zero until I get the £10 back, its now looking like they are going to say i have missed a payment even though ive paid the money they asked for!!!! Reviewed on: 14th April 2025

Easy quick and great service, friendly and helpful

Easy quick and great service, friendly and helpful Reviewed on: 20th February 2025

I applied for a loan put in the whole of my card det...

I applied for a loan put in the whole of my card details so they can clearly hack in to my account ! Or take money from me now and couldn’t offer me a loan but might able to in the future for a company that claims it’s good for bad credit I beg to differ ! Most likely a scam so avoid Reviewed on: 18th July 2024

The best company Always happy with customer

The best company Always happy with customer Reviewed on: 13th June 2024

Can’t give less otherwise I would.

Can’t give less otherwise I would. Continuous problems with this company, continuous mistakes on a weekly basis. Just been on their chat and the agent cut me off half way through a conversation with nothing solved. Avoid avoid avoid. They made mistakes on my account which was frozen while under investigation due to mistakes on there half and marked my credit file 3 times, even when I phoned there agents they advised me not to pay until the investigation was completed, (investigation was due to mistakes they had made) I won on both cases, I got compensation and the agreement of my credit file marking to be removed, still waiting for them to remove credit file marking 6 months later. Don’t use this company absolute cowboys. Worst credit card company I’ve ever used! Update on the issues I had with 118, they still haven’t done a thing. They said they contacted credit reference agency and could take 90 days to remove the missed payments I didn’t miss off my credit file. Dead line for 90 days was dec 14, 2023. It’s now 10th Jan 2024 and still nothing. I’ve asked for proof that they actually contacted CRA and nothing. I’ve given them till 31st Jan then legal action will start. When it becomes 5th Feb it’s been a year. Avoid avoid avoid. Biggest cowboys out there. Your safer taking a loan off loan Reviewed on: 10th January 2024

Very good

Good ap very izi aces to aucat verry good company Reviewed on: 11th July 2023

Great

very good customer service and very easy to get a personal loan Reviewed on: 19th June 2023

Fast and easy decision,

Funds available very quickly as I needed it desperately, easy monthly repayment by direct debit so no need to worry about missing payments, now I have options to borrow more if I incur any more unexpected expenses, and the payment will be less monthly than the first loan, so I give a positive rating. Reviewed on: 31st May 2023

Not great

Charge a little too much on apr and never gave reason for declining a second loan after first loan paied off Reviewed on: 25th May 2023

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