118 118 Money Loans and alternatives

Who are 118 Money?

118 118 Money is the trading name of Madison CF UK Limited, a sister company of The Number UK Ltd, who provide the widely known 118 118 directory enquiries service.

Offering instalment loans of between £1000 - £5000, over repayment periods of one to two years, 118 118 Money provides a fair and transparent way to borrow, even if you have less than perfect credit.

118 Money alternative

What is the duration of a 118 Money loan?

118 118 Money offer personal loans with fixed payments over 12, 18 or 24 months.

How much credit can you apply for?

You may apply for between £1000 and £5000. Before submitting your application, use the online personal loan calculator to work out your projected monthly repayments. This will help ensure that you can afford the amount you wish to borrow.

What is 118 Money’s loan application process?

The application process is simple, allowing you to apply online from your mobile, computer or tablet. Simply decide how much you want to borrow, what the monthly repayments will be, and the loan duration, and then complete the personal information, including bank details, and submit your form.

apply for a credit with 118 money online on your mobile phone

You will be emailed a pin number for your online account so that you can log-in to track the progress of your application.

What are the requirements?

To apply for a loan from 118 Money you should:

  • Be between the ages of 18 and 70
  • Be a UK resident
  • Hold a current UK bank account and debit card
  • Have a monthly net income of more than £700
  • Be employed or self-employed

How quickly will I receive my loan from 118 Money?

118118 Money review applications as quickly as possible, and typically provide a loan decision within one hour. If approved then you will receive a quick phone call to confirm the details and the money will be transferred to your bank account within 24 hours.

What do 118 Money charge?

Rates are from 35.9% APR – 99.9% APR fixed. The rate that you receive is based on the information you provide in your loan application and the information held on your credit file.

How much will you repay?

Representative Example

Amount of credit £1,800 for 24 months. Interest rate: 71.3% pa (fixed).
24 scheduled monthly payments of £142.65.
Total amount payable: £3,423.67.
Representative 99.9% APR.

Do 118 Money charge penalties?

118 118 Money do not charge any application or administration fees.

Can I repay my 118 Money loan early?

You can repay in full or make a partial repayment, at any time. Repaying early, if you can, reduces the overall amount of interest that you pay on the amount borrowed, plus you may be entitled to a rebate on interest already paid.

To make a payment call the 118 118 Money customer service team and you will be provided with an early settlement quotation, or a partial early settlement quotation, which is valid for 28 days.

If the loan was agreed for a period of 12 months, then you may be charged up to 28 days interest and for loans over 12 months, you may be charged up to 58 days interest.

Will 118 Money run a credit check?

118 118 Money will run a credit check as part of your loan application and use two of the main credit reference agencies, CallCredit and/or Experian, to access your credit history.

You may still be approved for a loan, even with less than perfect credit, because they consider each application carefully, on a case by case basis.

What help and support do 118 Money offer?

If you need any help then contact the 118 118 customer service team 24/7, by calling 08000 118 000 or 02920 893300 or email CustomerServices@118118Money.com.

Where can you find online reviews of 118 Money?

You can find online 118 118 Money reviews on business review website Feefo, where they have been awarded an impressive, average 4.8 out of 5 stars, by over 1,600 customers.

look up online 118 money reviews

What are 118 Money's FCA registration details?

Madison CF UK Limited is authorised and regulated by the Financial Conduct Authority (FRN 741774).

Applying with CashLady

Applying through CashLady involves just one simple application and then we’ll supply you with a selection of suitable quotes from various providers, including 118 118 Money.

We use our in-depth knowledge of the market, plus a portfolio of over 15 loan providers, to match you with the ideal financial solution for your needs, including all the relevant rates and prices, repayment terms and other important details that will help you to compare loan options.

Here’s a quick comparison table, highlighting some of the differences when you apply with CashLady:

Cash Lady 118 Money
Representative APR% 1272 99.9%
Loan Duration Up to 12 months 1 – 2 years
Repay Early Yes Yes
Panel of Lenders? Yes No
Loan Options (Number of Lenders) 15 1

How to contact 118 Money


08000 118 000


Email using ‘contact us,’ form on website

Registered Address

Fusion Point
Dumballs Road
CF10 5BF

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Representative 49.9% APR
Representative Example
Amount borrowed: £1200 for 18 months
Number of repayments: 18
Interest rate p/a: 49.9% (variable)
Each repayment amount: £90.46
Total amount repayable: £1628.28
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Customer Satisfaction & Reviews

CashLady is rated 4.5 stars by Reviews.co.uk and Smart Money People based on 2350 merchant reviews

CashLady.com is not a lender but is a fully regulated and authorised credit broker which introduces borrowers and lenders for the purposes of entering into short-term unsecured loan agreements. CashLady.com does not charge customers a fee for using its broker services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with a lender or broker following an introduction through this website. CashLady.com is a registered Trading Name of Digitonomy Limited, Registered in England and Wales (Company number 08385135), Registered Office; Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire, CH3 5AN. Digitonomy Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 690249. Licenced by the Information Commissioners Office, (registration number ZA007309) *Once approved, your cash could be sent within 10 minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures. Loans available to over-18s only, subject to status © CashLady.com 2020