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118 118 Money: Personal loan reviews

View other 118 118 Money products
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
See only 5 star reviews
92%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
1%

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
Barbora Bendova's avatar
Barbora Bendova

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
Jon's avatar
Jon
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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.

Review 118 118 Money: Personal loan now

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118 118 Money Personal loan reviews (1815)

Avoid!

1
Easy enough to get the loan, but when I paid it off early in full, the trouble began! First they didn’t update their systems to reflect that the loan was settled (In fact my account is £20 in credit). Although, when I called up they acknowledge that it is. They finally update after 3 weeks and 4 phone calls later. However, they update it incorrectly and now say that I’m in debt to the tune of £1,200 and 2 payments behind! I have called up a total of 6 times and although, on their end, my account is showing as settled I get 2 texts a day and emails threatening my credit rating with a default due to my “arrears”! I’m sick and tired of dealing with this company, as it really shouldn’t be this hard to settle a debt with them. I have never had an experience like this with any other company. To this day they still can’t give any kind of time frame as to when they will resolve the issue. Never again. Avoid! Reviewed on: 31st August 2018
O.Gayle's avatar
O.Gayle

Good product

4
Good terms and loan duration is just perfect for me to repay it. Reviewed on: 4th August 2018
Wayne's avatar
Wayne

Near 100% APR

3
Why is this so expensive when banks charge a fraction of this cost? Disgusting rates. Reviewed on: 16th May 2018
HCCC's avatar
HCCC

good conpany

5
They advertise as they say and offer what they say Reviewed on: 8th November 2017
Mapk Nehpets's avatar
Mapk Nehpets

Quick and easy

5
Easy to apply and quick decision and get find in the same day. Reviewed on: 17th October 2017
SW's avatar
SW

Quick big help!

5
Short notice loan was paid out the same day. Helped me out big time, big weight off the shoulders thank you. Reviewed on: 2nd July 2017
Lewis Goggins's avatar
Lewis Goggins

Was fast

3
If you don't like money then borrowing money from here is great but is the same with all these sits it will ruin your life if you miss a payment Reviewed on: 30th June 2017
James's avatar
James

Friendly professional service

5
The staff are great. Very friendly and helpful. Excellent service. Would highly recommend. Reviewed on: 23rd June 2017
Scott Graham's avatar
Scott Graham

easy and straightforward

4
they were easy and direct and helpful Reviewed on: 19th June 2017
cris owun 's avatar
cris owun

Good lender

5
Easy repayments and easy application process Reviewed on: 8th June 2017
Nicola Gorman's avatar
Nicola Gorman

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