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118 118 Money: Personal loan reviews

Name: Personal loan
Rating: 4.87 (1814 reviews)

View other 118 118 Money products

4.89

Based on 1,814 reviews, last reviewed 12th 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

Rip off merchants!! Extortionate interest rates that were not fully disclosed. I missed a payment when I changed jobs as due to my start date I had to wait six weeks to b... Read more Reviewed on: 12th 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 (1814)

Review of the 118 118 Money, Personal loan:

I firstly started with a credit card, then after 6-7...

I firstly started with a credit card, then after 6-7 months got a loan, very easy to use the app and very easy to apply, you also get warnings when your near to your balance to make a payment to make sure you don't you over which is very useful. Reviewed on: 16th April 2025

No hidden surprises, great rate and even better cust...

No hidden surprises, great rate and even better customer service. Reviewed on: 23rd April 2025

Easy to apply for the loan & fuss free.

Easy to apply for the loan & fuss free. Also money went in the bank really quick to Reviewed on: 23rd April 2025

Very good

Couldn't ask for a better deal. Saved me at the right time Reviewed on: 23rd April 2025

The Quickest Loan Application!

My application process was super easy and quick. I received my money one working day after my application. Their T&Cs are easy to read, not written with heavily law language. Their app is very user friendly and their APR is very competitive. Their credit card limit is very fair as the previous credit card provider didn't increase my limit a penny after 2 years of being with them. I started to use my Aqua credit card with my Apple Pay without receiving the physical credit card! Reviewed on: 23rd April 2025

Secure and affordable lending.

At the time of getting this loan, I was sure no one would offer me a loan. I made bad choices for my family finances a d 118 118 came as a saving grace. Application was very easy and money was instant. But all in all, the security and affordability calculations, were done to help determine my borrowing. Reviewed on: 23rd April 2025

5star from start to finish

great service very fast and simple Reviewed on: 23rd April 2025

quick process to get loan and money available in ba...

quick process to get loan and money available in bank account in couple of minutes Reviewed on: 23rd April 2025

I was looking for a personal loan and I have been su...

I was looking for a personal loan and I have been suggested this company, the process has been very quick and I have been able to receive my loan on a same day! Reviewed on: 23rd April 2025

Excellent customer service and great system

Excellent customer service and great system Reviewed on: 23rd April 2025

Best loan company

Easy to apply and easy steps to go through Reviewed on: 23rd April 2025

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