Online Loans.

Instant Decisions & Zero Fees.

Fast affordable online loans for bad credit scores.

100% secure online application process

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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

Online loans from £50 to £5,000

When it comes to finding loans online, you may find yourself dreading the application process. From filling in your personal information to waiting around for a decision, it can all be quite stressful.  If you’re looking for loans that are simple to apply for and can be in your bank super-quickly, we can introduce you.

Below, you’ll find a complete guide on what to expect when you apply for a loan and how you can predict eligibility. Though there is no sure way of knowing whether you’ll be accepted for a loan, there are some things to consider.

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How much can I borrow online?

When you take out a loan through The Money Shop, you can apply to borrow anything between £50 and £5,000. The loan amounts lenders offer applicants will differ and are assessed on several factors. Are you feeling concerned about how to pay that car bill? Or maybe you need some cash before your next payday; our broker partner can certainly help.

Applying for a loan at The Money Shop is an easy process that takes a matter of minutes. Our broker partner’s loan panel is designed for people who are looking for quick-decision loans with no waiting around. You’ll find out right away whether you are eligible to apply and will be presented with the amount that you can borrow from an authorised lender.

What information do I need to provide when applying?

You must be eligible to take out a loan before a lender will pay you the amount you wish to borrow. If you have never applied for a loan via The Money Shop before, you may want to know what to expect and what sort of information we request. As with most lenders and brokers, our broker partner requires information about your income to assess affordability and look at your credit history.

Your questions, answered

If you have previously failed to repay a loan, the likeliness of being approved is lower than if you have a good credit history. Therefore, where you can, review your own credit history before applying. If you apply for a loan and have a bad credit history, the loan application can stay on your credit report and cause more damage in the long term.

For those with a stable income and a means of repaying the money they borrow with a good credit file, you have a greater chance of being approved. Carefully review all the information you are provided with to assess whether you wish to take out a loan. It is important to review the terms and conditions that come with a loan as it will detail important things such as failing to meet repayments and the consequences.

We never charge fees when you apply for a loan via The Money Shop; however, lenders will charge you interest. Interest rates are variable depending on the amount that you borrow; however, to get an idea of what to expect, we’ve included an example:

Depending on the amount you wish to borrow in the short term, the interest rate and APR can vary. Therefore, you must review all of the information before accepting a loan to make sure it is affordable. Many people can end up falling into further debt when they fail to make loan repayments.

When you take out a loan, you can use the money however you see fit. Most of the time, people take out short term loans to cover important bills or unexpected expenses. However, most of the time, an individual may just need the cash to get them through a difficult period.

Loan application times differ from lender to lender. At The Money Shop, our broker partner makes it quick and simple to apply for a loan and provide instant decisions from their panel of lenders. This means you’ll never be waiting around as we understand that you may need the money suddenly or be in a difficult financial situation. You’ll be updated at every step of the loan application process.

Most of the time, people are rejected for loans due to their poor credit history. If you have had difficulty applying for loans in the past, we recommend improving your credit score before applying for a loan. There are many credit-builder products out there that can help you build a healthier score.

The Money Shop has helped thousands of customers across the country. Our broker partner strives to provide the best financial solutions for our customers with flexible repayment options. If you have already had no luck with taking out a loan with your bank, for example, they may be able to find a lender to assist you.

All you need to get started is to provide us with some information about yourself to find the best lender for your needs!

If you’re looking for more information about online loans, you’re in the right place. We ensure that customers understand how online loans work and what to expect. When you apply for an online loan through us, we make it as simple as possible with only a few steps.

You can adjust the amount of money that you’d like to borrow when you submit your application. Again, we’d like to emphasise that you should only borrow what you can repay comfortably! At The Money Shop, you’ll never need to deal with unexpected fees, and once we have your information, you’ll receive an instant decision from our broker partner’s panel of lenders. As one of the UK’s most trusted brokers, they have options for almost everyone. Unlike a bank loan or personal loan, you won’t have to spend hours providing excessive personal details.

Are you looking for an alternative to an online loan? These days many people choose to apply for loans online since it’s convenient and quick. However, if you would rather go down the traditional route, you could also consider alternative types of loans.

Bank loans or an overdraft with your current bank could be an ideal financial solution for many. When you take out an overdraft, you will be given a limit that you cannot exceed when your balance falls below 0. Overdrafts vary, and each does come with its own interest rates, which you should discuss with your bank. Usually, people choose to take out an overdraft of anything between £200 and £1,000. Another good alternative if you want to avoid a loan could be a credit card, especially if you’re looking to build your credit score. Like a loan, you will borrow a set amount of money that will require regular repayments in instalments. Interest rates are applied to credit cards, so you must keep this in mind.

You can also check out our other articles, which detail the different types of financial help you could be able to apply for.