Borrow money


Select your loan options

How much? £

Number of repayments

repayments of

When is your next payday?

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
First repayment date:
Instalment amount:
Total repayable:

Repayment summary

Please ensure you can afford each of the repayments before applying.

Amount borrowed:
Length of borrowing:
Date of repayment:
Interest per day:
Total repayable:

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Please note: Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

Representative Example: £350 borrowed for 6 months. Annual interest rate of 179% (fixed). Total amount repayable is £516.90 in 5 monthly instalments of £86.15 plus a final payment of £86.15. Representative 450% APR.

Borrow money from us in 3 simple steps:

Apply for your loan

You can borrow money by applying for a short term loan. Simply choose how much you want to borrow and how long for. You can borrow from £100 to £2,000; repayable over 3 to 12 instalments online, or 1 to 6 instalments in-store.

Get a decision

The details you provide us with will help us to make a lending decision. All applications are subject to credit and affordability checks.

Money deposited

If your loan application is approved, it will be finalised and deposited into your bank account, or be paid in cash in-store, subject to our final checks**. How the money is deposited depends on the application process chosen below.

Apply for a short term loan

Online

Complete our application form for a short term loan, to receive an instant decision on your request to borrow money.

Apply now

In-store

With stores across the country, there’s bound to be one near you! Visit your local store to apply for a short term loan today. In store loans are repayable over 1 to 6 instalments.

Find a store

By phone

Alternatively, you can apply for a short term loan** by giving us a call on 0800 009 3565*.

Contact us

What are short term loans?

Short term loans enable you to borrow money from us, for a specified period of time. Whether you need to borrow money because of an unexpected bill or a broken down car, you can choose to borrow from £100 to £2,000* and repay in 3 to 12 instalments (1 to 6 instalments for in store loans).

You’re able to borrow money either online, in-store or over the phone (whichever is the most convenient method for you).

Once you are approved and have electronically signed your loan agreement for online loans, as a new customer, if your application has been received and completed by 3pm, you will qualify for a same day money transfer. For existing customers, our deposit times run from 4am to midnight, on the hour (everyday)**.

Why borrow money with The Money Shop?

We’re here whenever you need to borrow money – whether it’s online, over the phone or on the high street – to help you get on with your life!

Payday loans can be great for those who need to make up a small shortfall in their cashflow, but paying back that lump sum all at once might not be convenient for everyone - it may in fact create more cashflow problems.

At The Money Shop we offer short term loans with instalment repayments. If you want it to repay in one go then you can, or you can spread repayments of equal size over up to 12 months, although borrowing for longer can be more expensive.

We’re a provider of financial services to a range of customers nationwide; and we pride ourselves on customer service.

When looking at a provider for your financial needs, it’s important to only consider companies that are responsible. Not only are we regulated by the Financial Conduct Authority (FCA), but we’re also members of the Consumer Finance Association (CFA), which means that our services comply with responsible lending guidelines. Therefore, you know you can trust The Money Shop when you’re looking to borrow money.

Important information about borrowing money with us

Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card. If your card details have changed please contact us urgently on 0800 009 3565* to update these.

There are no late repayment fees if you miss a payment for your loan, and we will not charge any additional interest. However late repayment may result in us reporting this to the credit reference agencies, which may have a negative effect on your credit score.

If you are an existing customer and would like to apply to borrow money, please do this through your online account, alternatively, you can visit us in store or contact us on 0800 009 3565* to apply by phone**.

We understand that your personal and financial circumstances can change. If this occurs, or if you are having trouble repaying your online loan, let us know as soon as possible by contacting us on 0800 009 3565*, and we will do our best to help.

Free debt advice

If you are experiencing financial difficulty, please click here to find information on non-fee charging agencies that provide independent advice.

Short term online loans should not be used as a long term financial solution

Our other services