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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)

I recently took out a personal loan with 118 118 Mon...

I recently took out a personal loan with 118 118 Money and had a genuinely positive experience from start to finish. The application process was straightforward and quick, with clear instructions at every step. I appreciated how transparent they were about the terms, interest rates, and repayment schedule—there were no hidden surprises. What stood out most was how fast the decision came through, and once approved, the funds were transferred promptly. Their online account management is easy to use, making it simple to track payments and stay on top of everything. While the interest rates may be higher than traditional banks, this is understandable given their target customers and accessibility. Reviewed on: 20th April 2026

118 money has helped me majorly, it has made me beco...

118 money has helped me majorly, it has made me become more relaxed with finances Reviewed on: 20th April 2026

Quick and Convenient, but good Interest Costs

I had a generally positive experience with 118 118 Loan. The application process was straightforward and easy to follow, and I received a quick decision, which was helpful when I needed funds urgently. The website was clear, and everything was explained in a simple way. However, the interest rates are quite high compared to some other lenders, so it’s important to be sure you can manage the repayments before committing. Customer service was responsive when I had questions, which I appreciated. Overall, a convenient option for short-term borrowing, but best used carefully and with full understanding of the costs involved. Reviewed on: 20th April 2026

I have a low credit rating so options are limited bu...

I have a low credit rating so options are limited but 118 didn't take as big of advantage as others out there, and application process was straight forward Reviewed on: 20th April 2026

All I have had from 118118 is good service and great...

All I have had from 118118 is good service and great team Reviewed on: 20th April 2026

It was really easy to apply everything was so straig...

It was really easy to apply everything was so straight forward and was so helpful.i would definitely recommend 118 to friends and family Reviewed on: 20th April 2026

from the start to finish with my loan the customer s...

from the start to finish with my loan the customer service was amazing! no hassles at all and money was in the bank within the hour. 5* rating from me. Reviewed on: 20th April 2026

Great company to deal with.

Great company to deal with. Ease of application and kept up to date on all things relating to my account. Reviewed on: 20th April 2026

Was ok good

Ok can’t complain. Thank you Reviewed on: 20th April 2026

It’s great at 118

Great service when you need it. Good communication and customer service Reviewed on: 20th April 2026

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