We offer fast and flexible short term loans online, helping you to cover any of life’s emergencies and spread your repayment over 6 to 24 months. Applying won’t affect your credit score & no security needed. To be eligible, you must have been employed for at least 6 months. If approved by 3:30pm, we can transfer funds on the same day.
Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00 Representative 295.60% APR fixed
Quick and easy access to cash, decision usually within 1 – 2 hours and money paid same day*
Complete a quick Online Application in just 5 minutes for instant provisional approval
We’ll run some final checks and review your uploaded documents*. If everything is ok, we’ll make a decision on your loan within a couple of hours.
Note:* These may include payslips, bank statements and open banking.
Once approved, simply confirm your bank details to pay your loan into and we will transfer your money directly, usually the same working day*.
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.
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.
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.
Direct Lender For Over 18 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.
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.
Representative Example: £600 loan repayable over 12 months £95 per month total amount payable £1140 Representative 272.60% APR fixed
Representative Example: £500 loan repayable over 12 months £81.25 per month total amount payable £975.00 Representative 295.60% APR fixed
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.
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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Daniel Tannenbaum2026-02-12 11:50:332026-03-13 17:52:08How Does Credit Score Updating Work?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.
