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The Money Shop Loans Overview and Alternatives


The Money Shop Alternative

Even if this is your first time looking into short term loan quotes, you’re probably familiar with The Money Shop. This lender offers an alternative to online payday loans, with physical shops along high streets up and down the country.

You can walk straight into The Money Shop in one of hundreds of destinations across England, Scotland, Wales and Northern Ireland, or you can apply online for an instant decision if the offer suits your needs.

cashlady alternative to the money shop


Applying Online v.s. Going to a Shop

If you apply online, you can choose a loan term between 15 days and 6 months. You can borrow anything from £100 to £1000, repaying in up to six instalments. Online, you’ll see an immediate repayment summary. Meanwhile, if you need a larger loan, The Money Shop exclusively offers loans of up to £2,000 on presentation of photo ID, proof of income and proof of address in store.

Currently The Money Shop stores are not directly connected with their online offering, but this is expected to change in future to bring the two together.

The online Application process

If you do choose to apply online, the application process is split into six sections. The long application form is all on one page, starting with your loan requirements, personal details, contact information and income details, then moving on to your expenses (for an affordability assessment) and your bank details. You’ll need to accept the terms and conditions, and if your application is approved you’ll then be presented with a loan offer and an agreement that you can sign electronically.

The online application process

The Money Shop Charges

The Money Shop loans are fee free – there are no extra charges for early or late repayment, and repaying early can actually save you money by reducing the interest that you pay.

When you apply for a short term loan online or in store with The Money Shop, the funds that you need could be in your account within two hours. Also available, if you’re looking for a long term option, are guarantor loans over 1 to 5 years.

To apply for a loan, you need to be in permanent employment or receiving a pension or disability benefit. You have to be receiving more than £417 per month, be living in the UK and be over the age of 18. If you meet those requirements, the other things that you need to have are a valid bank account and debit card.

The Advantages of Applying with CashLady

Advantages of applying with Cash Lady

If you’re applying for a loan online, then we’ll check with The Money Shop amongst a variety of other providers. We review your options and loan offers on your behalf, to bring you the best loan deals.

You could go to each loan provider individually, but with CashLady you can fill in just one form. We can instantly send your details to multiple trusted and regulated providers at once.

With CashLady, you can compare your options and make sure that you’re happy with what’s available. We make it easy to see results from The Money Shop, and from various other companies.

We focus on online loan applications, so we’re not able to show you what you could be offered in a physical store. However, we do check with The Money Shop for their online short term loans.

With our comparison table, see what you might get from The Money Shop in-store. This is where you’ll get their best offers:


Cash Lady Money Shop
Online option Yes Yes
Loan Duration 1-6 Months 1-6 Months
Go to your nearest branch No Yes
Print a voucher from their
website to take to the branch?
No Yes
Print out bank statements? No Yes
Take a chequebook? No Yes
Get their best deal each time? Yes No

Should you wish to contact The Moneyshop service use the following contact details:
The Moneyshop
PO BOX 255, Bicester, Oxon. OX26 4ZY
Contact Telephone: 0800 009 3565
Email: account.services@themoneyshop.com

All information about The Moneyshop deals come from www.themoneyshop.com. The Moneyshop is a trading style of Instant Cash Loans ltd. Information is correct at time of publication (April 2016).



Read more in our in-depth review of The Money Shop


Why CashLady?

Applying with CashLady means that you’ll receive up to date loan offers from some of the leading payday loan and short term loan providers. You fill out one simple application form, and in return you receive a selection of responses. You don’t need to shop around, because we do the hard work for you.

Our panel of regulated, professional and trustworthy lenders – including big names and some that you might not have heard of – will receive your details from us. You’re applying for them all in one go, with a service that’s completely free to use.

We’ll show you a range of results, most of which will be short term and payday loans. If we find a good deal on something with a longer repayment term, then this can be included unless you tell us otherwise.

You’ll still get time to read the lender’s terms and conditions, and the exact details of the loan that they offer, before you make a decision.

Why not fill in our form today, for the best deals on short term loans no matter what you need the cash for?

moneyshop application

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Representative 1272% APR
Representative Example
Amount borrowed: £250 for 3 months
Number of repayments: 3
Interest rate p/a: 292% (fixed)
Each repayment amount: £137.21
Total amount repayable: £411.63
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