100% secure online application process

Money can be sent today

Check eligibility with a Soft Search

Thousands of loans found every month

Representative 79% APR

Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1843.68, Total Interest: £643.68, Interest Rate (Variable): 79%. Rates between 9.3% APR to Maximum 1721% APR

The Money Shop is a registered trading name of New Horizons Finance Limited, which is an Introducer Appointed Representative of Flux Funding Limited, who are a credit broker not a lender. Loan repayment terms are between 3 and 36 months.

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

About Us

Transparent and Fair

We started with the simple ambition to take the pain out of borrowing for people who have been turned down by their bank. We understand that not everyone has a perfect credit history and we designed our service around helping as many people as possible find a suitable loan.

Our broker partner’s in house technology uses the details you provide to perform a soft-search eligibility check, this doesn’t affect your credit rating. Once complete we will show you the best deal we can for your circumstances.

How it Works

Getting Your Money Couldn't Be Easier...

Apply Online

The secure application process takes as little as 2 minutes.

Find Your Lender

Access one of the largest lending panels in the UK.

Get Your Money Fast

Your funds can be sent today.

Start Your Application

Get Your Loan

A soft credit search is performed that will have no impact on your credit rating.

Your Questions Answered

We know that applying for a loan and choosing a lender can be a big decision. That’s why we’re provided plenty of information in our loan guides section and update of questions and answers section regularly.

A range of flexible loans that are paid back in monthly instalments. You can pay back your loan over 3 to 36-months. It is best to choose a repayment term that makes the monthly instalments affordable.

If you do have difficulty in making any of your monthly repayments it is important to speak to your lender, otherwise your credit score may be affected.

Of course, in fact thats probably the easiest way to apply and the preferred choice of our customers. The application process is optimised for mobile devices and should take no longer than 5-mins.

All lenders are regulated by the Financial Conduct Authority (FCA). The FCA is responsible for ensuring all of the direct lenders on our broker partner’s panel are operating in a fair and safe manner.

We don’t perform a credit check. The service provided uses soft-search eligibility checking technology to match you with the loan you are most likely to be accepted for. If you continue the application with one of the direct lenders on our broker partner’s panel, they will perform a credit check.

Typically our broker’s partners can transfer the funds on the same day. The exact time to receive the funds will depend on the type of loan and the individual policies and systems of your direct lender, as well as your bank’s policies and procedures.