For safe and reliable loans, The One Stop Money Shop is an FCA authorised direct lender (registration number 713424) and has been offering affordable loans since 2005.
You can check your eligibility online to borrow £400 to £2500 repaid over 6 to 24 months. We will not pass on your details to any other third parties and you will not receive any unwanted emails, calls or text messages.
The One Stop Money Shop is a direct lender and we offer reliable loans when you need money for an emergency or an important expense.
Our loans range from £400 to £2500 and your eligibility and amount you can borrow is based on your income, credit score and affordability. Repayments are made in monthly instalments over 6 to 24 months which you can select.
Our entire application is online and can be completed by phone, desktop or tablet. We require a few basic details including your name, DOB, address, contact details, income, employment, expenses and bank details. This gives us everything we need to make an initial decision and so that we can present you with a loan offer on the screen.
Subject to further checks and signing our electronic loan agreement, we aim to transfer funds to your bank account within 1 to 24 hours.
FCA Authorised – We are an FCA authorised firm under license number. This means that we have to follow strict rules to maintain our status. We are committed to transparent and responsible lending practices – which mean that we carry out sufficient checks to ensure the affordability of our candidates and offer clear repayment structures for our borrowers.
Safe and Secure – We take a number of steps to protect the data of our customers. All information you provide on the website is encrypted and not shared with any other third party marketing companies or partners looking to upsell you different products.
No Upfront Fees – We provide short term loans to your bank account, paid in one lump sum. We do not require any payment from you upfront for your loan to be authorised or approved. The only payments you make will be scheduled repayments and you will receive reminders and notifications before any collections are made.
Good Reputation – The One Shop Money Shop has been offering loans since 2005 and has become a well-known and trusted partner for many people looking to borrow money for short term periods.
Good Communication – We send simple follow up reminders by email and SMS on the days leading up to each repayment to ensure that there are no surprises. We have a customer support team who are available by phone if you have any queries.
As a direct lender, we process your loan application from start to finish. Your application, underwriting, funding and collections will all be handled by our team of advisors.
You will not be working with any other brokers, middlemen or introducers or be charged any upfront or hidden fees.
When you need money for an emergency or an important purchase, it helps to know exactly who you are dealing with every step of the way.
With a number of loan scams out there, it is important to know what to look for and how to avoid them.
Check The FCA Register – You can check the FCA Register here for free which gives you a live update on the status of any companies you might be applying with. This will tell you if they are licensed and legitimate or if they have a different status and you should not proceed.
They Ask For Money Upfront – It is common for loan scams to ask for money upfront before transferring you the full amount. However, this is not the case with personal loans and credit cards and you should usually receive the full loan amount in one lump sump without having to put any money down upfront.
Their Contact Details Are Suspicious – If you are receiving an email from a lender with a Gmail or Hotmail account, this is likely to be suspicious and not a legitimate lender.
Promise of No Credit Checks – As part of FCA regulation, all direct lenders must carry out sufficient credit checks on a customer’s loan application before funding and approval. Any websites or lenders that promise no credit checks should be approached with caution. However, there are some loan products that do not require credit checks but require other forms of security or collateral such as logbook car loans and secured loans.
The Lender Says Loans Are 100% Guaranteed – Due to FCA regulation, a loan application must always undergo sufficient checks and a loan can never be fully guaranteed upon application. There are typically checks are requirements in place such as being employed and having a regular income to be approved or a personal or payday loan.
To apply for a CCJ loan, you need to meet the following criteria:
Complete a quick Online Application in just 5 minutes for instant provisional approval.
Apply Now
Start by clicking on the ‘apply now’ button provided on this page. Simply enter your details and make sure that you give correct information to help speed things along. You will receive an instant decision on the screen, but it helps to be available by phone or email shortly after for any follow up questions that we might have.
The One Stop Money Shop aims to approve loan applications as quickly as possible and we are able to transfer funds on the same day.
How Soon Can I Be Approved?
We are able to transfer funds within 1 hour of approval and it is very common to apply and be funded on the same day, as long as it is approved by 3:30pm.
Our office hours are Monday to Friday from 8AM to 4PM, however, we will always do our best to process and fund loans on weekends.
Do You Run Credit Checks?
Yes, we run credit checks as part of our commitment to responsible lending and to determine the eligibility of our customers. We initially run a soft credit check which disappears shortly after running the check and will not affect your credit score.
How Do Repayments Work?
Repayments are made over 6 to 24 months in equal monthly amounts, so you know exactly how much you need to repay each month. The collections take place on a day that you select which for many is the of or the day after they get paid from work, such as the 25th of the month of the last Friday of the month.
Do You Offer Loans For Bad Credit Histories?
We are able to consider bad credit provided that the customer has a stable income, employment and is committed to repaying their loan on time.
What Happens If I Cannot Repay My Loan?
If you are unable to repay your loan, you may be charged late fees and added interest and it will negatively impact your credit score. Our team of customer care agents will be available to discuss different arrangements and payment plans to help you repay your debts in full.
