Easy Loans.

Online Application | No Fees and No Fuss.

Fast affordable online loans for bad credit scores.

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 moneyadviceservice.org.uk.

Find your next loan at The Money Shop

Whether you need to borrow £50 or £5,000, we make it easy to find a loan that works for you. As with all loan applications, you’ll need to submit some information before we approve your application. However, unlike many loan companies, we don’t take days to get back to you; in fact, you will receive a decision almost instantly.

If you’re looking for a short-term loan and need the cash as soon as possible, we can help. Depending on your current financial situation, you can borrow money over 3 to 36 months. We will ask you some simple questions to identify whether an easy, instant loan is suitable for you and whether we can find you a suitable lender. Some of the information we need to know includes:

  • Your current employment status and details of your earnings.
  • When your next payday is.
  • The amount you would like to borrow.
  • If you have any existing loans
  • The type of repayment plan you’d need.

Ready to search for your loan?

Get Your Quote

What happens if I apply for a loan with bad credit?

If you have bad credit, you may still be accepted for a loan through The Money Shop. If you can provide information to demonstrate that you can afford the repayments, our lenders will consider your application. We try to help customers wherever possible. However, we cannot always find loans for all applicants. Please keep in mind there is a possibility that your application will be rejected.

Your questions, answered

Many loan brokers will charge a fee to those that apply for an instant loan. We promise never to charge a fee. When you take out a cash loan, we ensure that our lenders make it clear what you will repay to us.

Whether you’re using your loan to make an emergency car repair or you need to settle another debt, we can assist. Begin your loan application with us today, and we’ll guide you through every step.

Before you apply for a cash loan with us at The Money Shop, there are a few things you should know. Applying to borrow money requires you to make repayments, so if you think, for whatever reason, you cannot afford to pay the money back, we strongly advise against a loan.

When you apply for a loan with us, we use the information you have provided to assess whether you can afford to borrow. Here are a few things to consider before you apply for a loan:

  • Only apply for the amount that you can afford to repay. Though it can be tempting to apply for a larger loan when offered the opportunity, remember to act responsibly.
  • Consider the potential impact on your credit score before you apply, though our lenders will use soft search technology.
  • Factor in the interest rates that come with the loan. Every loan provider charges interest, and if your credit score is lower, you could pay higher rates.

There are many different types of loans you can apply for. At The Money Shop, our lenders offer simple cash loans to help people through the more difficult financial times in life. If you’re considering a loan, here’s a quick overview of the various loans that may be suitable for you:

  • Secured loans: Taken out against your assets.
  • Unsecured loans: Loans that you choose to take out against your income.
  • Payday loans: Short-term loans repaid using your salary.
  • Debt consolidation loans: Consolidate your debts into one place.
  • Home-equity loans: Taken out against the value of your home.

Depending on your circumstances, several of the loan options above may interest you. We recommend reviewing and comparing loans to ensure you get the best deal for your needs.

At The Money Shop, we take the stress out of applying to borrow money. The entire loan application process with us is made quick and simple with a range of options. We make it easy to compare the loans available to you based on the information you provide. All you need to do to get started is visit our website and provide your details. We ask several questions to enable us to assess what type of loan would suit your circumstances.