100% secure online application process

Money can be sent in just 15 minutes#

Applying does not affect your credit rating

Thousands of loans found every month

Representative APR 49.9%

Representative Example: Borrowing: £1200 for 18 months, Total Repayable: £1628.28, Total Interest: £428.28, Interest Rate (Variable): 49.9%. Rates between 9.3% APR to Maximum 1294% 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

We’re Fully Regulated, 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 in house technology uses the details you provide to perform a soft-search eligibility check, this doesn’t effect your credit rating. Once complete we will show you the best deal we can offer you for your circumstances.

How it Works

Getting Your Money Couldn't Be Easier...

Apply Online

Our secure application process takes as little as 2 minutes.

Find Your Lender

We have one of the largest lending panels in the UK.

Get Your Money Fast

Your funds can be sent in as little as 15 minutes*.

Start Your Application

Get Your Loan

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

“I’ve used quite a few loan websites over the years and the money shop is the best. It’s a hassle free process every time”
David Evans - Surrey

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.

We offer 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. Our application process is optimised for mobile devices and should take no longer than 5-mins.

We are regulated by the Financial Conduct Authority (FCA). The FCA is responsible for ensuring all our direct lenders are operating in a fair and safe manner.

We don’t perform a credit check. Our service 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 our direct lenders, they will perform a credit check.

Typically our partners can transfer the funds in as little as 15 mins#, sometimes even sooner. 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 banks policies and procedures.