Write a review

Go to business site

118 118 Money: Personal loan reviews

Name: Personal loan
Rating: 4.89 (1815 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

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

Read all reviews See your review

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.

118 118 Money Personal loan reviews (1815)

Review of the 118 118 Money, Personal loan:

Quick and easy process, decision made quickly

Quick and easy process, decision made quickly Reviewed on: 22nd April 2025

Very easy to apply and money was in account very qui...

Very easy to apply and money was in account very quickly Reviewed on: 22nd April 2025

The app was so easy to use and got my decision withi...

The app was so easy to use and got my decision within minutes and my money with an hour highly recommended Reviewed on: 22nd April 2025

I actually need a same day loan, and found 118 118 m...

I actually need a same day loan, and found 118 118 money through the Experian application that showed me I m eligible to get one. Got it in a same day and I m repaying monthly at the moment Reviewed on: 22nd April 2025

Unbelievably Fast & fuss free!

couldn't believe how fast and simple the whole process was! No fuss, fast decision and funds available immediately!!!Brilliant Reviewed on: 22nd April 2025

More information on our loan and easy to understand.

More information on our loan and easy to understand. Reviewed on: 22nd April 2025

Positive Experience with Both Credit Card and Loan

I've had a genuinely positive experience with 118 118 Money, having used both their credit card and a personal loan. The application process for both products was straightforward and transparent, and I appreciated the clear communication throughout. There were no hidden fees or surprises – everything was laid out from the start, which really built trust. It’s refreshing to deal with a financial provider that keeps things simple and honest. Based on my experience, I’d happily recommend 118 118 Money to others looking for straightforward credit options and reliable service. Reviewed on: 22nd April 2025

Easy to use and interact with.

Easy to use and interact with. Communication is faultless. Reviewed on: 22nd April 2025

Fast service

The experience has been seamless Reviewed on: 22nd April 2025

It was quick, no hassle, kone was transferred to my...

It was quick, no hassle, kone was transferred to my account within mi minutes Reviewed on: 22nd April 2025

Informative, clear, and easy to understand.

They have always provided clear guidance and advised on repayment options and amounts. Clear documentation and the online features are easy to use and navigate. I would recommend for a helpful, fast and efficient service when funds are needed.. Reviewed on: 22nd April 2025

Do you have a different 118 118 Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loans
from Voyager Alliance Credit Union 4.87 from 399 reviews
Payday Loan
from Payday Loans Now 5.00 from 1 reviews
Loans
from Wave Community Bank 4.91 from 222 reviews

Want to see more from 118 118 Money?

Credit card
from 118 118 Money 4.84 from 1103 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub