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  • APR 295.60%
  • Total Borrowed: £500
  • Total Repay: £962.52
  • Total Interest: £462.52

Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00 Representative 295.60% APR fixed

Same Days Loans – Borrow £400 to £2,500 From a Direct Lender

The One Stop Money Shop is a direct lender that was founded in 2005. We offer same day loans if your application is approved by 3:30pm today. Customers can borrow £400 to £2500, helping you to cover any of life’s emergencies and spread your repayment over 6 to 24 months.

To be eligible, you must have been employed for at least 6 months. Our calculator shows how much you will repay. Simply click on ‘apply now’ to complete our loan application in less than 5 minutes.

  • Fast application & decisions within 1–2 hours
  • CCJs & bad credit history accepted
  • Reliable direct lender for over 20 years
  • Flexible repayment terms from 6 – 24 months
  • One lump sum paid directly into your bank account
  • No need for a guarantor or security to borrow

Loans fully approved before 3.30pm will be paid the same working day.

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How The One Stop Money Shop Works

Quick and easy access to cash, decision usually within 1 – 2 hours and money paid same day*

1. Apply Online

Complete a quick online application in just 5 minutes and receive an instant decision on the screen.

2. Final Checks & Approval

We will run some final checks and review your uploaded documents*. If everything is completed, we will make a decision on your loan within a couple of hours.

Note:* These may include payslips, bank statements and open banking.

3. Get Your Money

Once approved, simply confirm your bank details to pay your loan into and we will transfer your money directly, usually the same working day*.

Note: *loans fully approved before 3.30pm will be paid the same working day.

Fast application in less than 5 minutes

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No Obligation. Fully Secure.

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What is Our Eligibility Criteria For a Same Day Loan?

  • UK Resident

     

  • Employed For 6 Months Minimum

     

  • Valid UK Bank Account

     

  • Valid UK Mobile and Email Address

     

  • Can Afford Monthly Repayments

     

  • Bad Credit & CCJs Accepted

     

  • Over 22 Years of Age

     

Who We Are – Direct Lenders Since 2005

The One Stop Money Shop is one of the original short-term lenders in the UK and we have helped thousands of customers get the money they need. We started in 2002 as a credit broker before becoming a direct lender in 2005.

Whether it is a pressing bill, emergency expense, outstanding debt or advance payday loan, our application can be completed in less than 5 minutes and successful customers can receive funds within 1 hour or the same day of applying.

Customers can apply to borrow from £400 – £2,500 repaid over 6 – 24 months in equal monthly instalments. We are your online loans shop – our entire application is completely online and you will receive a quick decision within 1-2 hours. If successful, you can usually receive your money the same day you apply.

short term loans

Why Choose The One Stop Money Shop?

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Fast Decisions and Ideal For Emergencies Apply in less than 5 minutes and get your money the same day* if you are approved. As a direct lender, we can release funds quickly when you need them, making them perfect for emergencies and important bills to pay.

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Bad Credit ConsideredWe will consider all applications and this includes being able to offer loans for people with bad credit and CCJs, provided that you are employed and committed to repaying your loan on time each month - we will gladly consider your application.

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Direct Lender For Over 20 Years We loan directly, with no brokers or middlemen and make all loan decisions independently. Our friendly UK team is on hand to help on the phone, with no call centres or long hold time and a wealth of knowledge and experience. Based in Yorkshire, we’ve been lending since 2005 and are an independent UK lender you can rely on.

Why One Stop Money Shop is a Payday Loans Alternative

As we have been in the industry since 2002, we have seen first-hand the impact of payday loans on British consumers. Payday loans are usually repaid over 14 to 30 days and with high fees, this puts pressure on borrowers and often leads to revolving credit and a spiral of debt.

We have responded with a more flexible instalment loan product that allows you to borrow the money you need for emergencies and expenses, whilst having the flexibility to repay at lower rates than payday lenders and after 6 to 24 months.

How Much Will a Same Day Loan Cost Me?

Representative Example: £600 loan repayable over 12 months £95 per month total amount payable £1140 Representative 272.60% APR fixed

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  • APR 295.60%
  • Total Borrowed: £500
  • Total Repay: £962.52
  • Total Interest: £462.52

Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00 Representative 295.60% APR fixed

Bad Credit Loans, Poor History and CCJ Loans Considered

At The One Stop Money Shop, we are willing to take a view on bad credit histories, those with a poor history or looking for CCJ loans. We understand that an individual’s circumstances can change due to an emergency or unforeseen circumstance. The most important thing is that you have stable employment and willingness to repay your loan on time and we will gladly consider your loan application.

As a direct lender, we make our own independent loan decisions and review each application based on your circumstances. Even if you’ve been refused elsewhere, apply today and we will be happy to review your lending application to see how we can help.

See Other Products

Emergency Loans  
Bad Credit Loans  
Instalment Loans  

Are You Facing Financial Difficulty?

If you are having trouble making an upcoming repayment with us, please contact us to discuss your situation and we can present you with the best options.

If you are having financial trouble, try contacting these free resources offered by the government and charities: MoneyHelper, Citizens Advice, StepChange and National Debt Line.

Read the latest articles from our team for information, tips and advice on lending money, managing your finances, and how you can start to build a positive credit score with us.

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Got any questions? We’re here to help.

If you can’t find answers on our FAQs, give our friendly team a call and we will be happy to help.

Are you a direct lender or a broker?

The One Stop Money Shop is a direct lender and not a broker.  This means that all applications are processed by our in-house team and if successful, we will transfer funds to your bank account.

Do you offer payday loans?

No, we are a payday loans alternative and offer an instalment loan product which is repaid over 6 – 24 months in equal monthly instalments. This gives you the flexibility and breathing space to pay off your loan without feeling financially pressured or squeezed.

What is your FCA License number?

The One Stop Money Shop Ltd is authorised and regulated by the Financial Conduct Authority, registration number 713424.

Do you charge any upfront fees?

No, we do not charge any fees for applying, it is free to apply on our website 24 hours a day, 7 days a week.  The only fees are the interest charged for taking out a loan and this information will be presented to you in an online loan agreement prior to being funded. 

How much can I borrow through The One Stop Money Shop?

Customers can apply to borrow between £400 and £2,500 and the amount you will be able to secure will be based on your income and affordability. 

How long does it take to receive the funds?

Successfully applicants can typically receive funds the same day, if a loan is fully approved before 3.30pm.  We have access to fast payment systems which means that funds can be sent via bank transfer to your account as soon as possible.  The only exception is if it is a weekend or bank holiday where customers may have to wait until the next working day for funding.  For more information, see quick loans. 

Do you carry out credit checks?

Yes, in most cases we will be required to carry out credit checks on applicants using information provided by Equifax.  This is to ensure that an individual is able to afford our loans and will not cause further debt or financial difficulty.  

We use soft searching which means applying with us won’t affect your credit score. 

Do you consider customers with bad credit history?

Yes, The One Stop Money Shop is able to take a view on bad credit histories and for those applicants that have a history of defaults and payments in arrears.  We are more interested in your current financial position, income, employment and desire to repay your next loan on time. 

Will applying for a short term loan affect my credit score?

No, we carry out a soft credit check to initially check your eligibility for a loan – and this does not stay on your credit file so it does not impact your credit score and will not hurt your chances of getting other loans or credit in the future.

Read All Our FAQs

Ready to Apply?

It takes less than 5 minutes, and you’ll get a fast loan decision. If approved, we can usually pay the money into your account the same day*. We’re a direct lender not a broker, so our loans don’t require any security to approve.

Apply Now

No Obligation. 100% Secure

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*Applicants must be 22 or over. All loans are subject to affordability, applicant verification and traditional credit checks carried out by Equifax.

*The One Stop Money Shop performs credit checks to determine eligibility. Initially, this is a soft credit check which may lead to a hard credit search if you wish to accept our offer.

*Funding times: Loans fully approved before 3.30pm will be paid the same working day.Funding times may also vary depending on application details, approval timing and bank processing. Any applications are processed 24/7, though approvals late in the day or over weekends may be funded the next working day.

*Auto Decisioning allows lenders to make a decision on your loan application, for more information please contact us or see our privacy policy.

*We are a lender and may pay commissions to credit brokers or other intermediaries who introduce customers to us. The amount of commission we pay can vary depending on the broker, the product offered, and the terms agreed with the broker. This commission is not charged to you and does not affect the total cost of your loan.