Borrow £1300-£1400 Loans For Emergencies or Important Purchases

The One Stop Money Shop offers a fast way to borrow £1300 or £1400 with our fully online application process.

 

Whether you are looking to pay off some bills, have a household emergency or need to make an important purchase, you can submit your details in minutes and receive an instant decision. Subject to further checks, we can fund your loan on the same day if approved by 3:30pm.

 

Our flexible loan repayments allow you to repay over 18 to 24 months in equal monthly instalments – giving you some much needed breathing space and time to get your finances in order.

 

We are a direct lender, which means that we process your entire application from start to finish and there are no fees for applying. Plus, we are able to consider borrowers with bad credit scores and CCJs.

 

To get started, simply click on the ‘apply now’ button to check your eligibility today.

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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

 

Key Features

  • Borrow £1300 or £1400
  • Repay over 18-24 months
  • Loans are unsecured
  • Direct lender
  • Same-day approval and funding
  • Repaid in equal monthly instalments
  • For UK residents
  • Must be employed (full-time or part-time)
  • Bad credit scores and CCJs considered
  • Fully online application

£1400 Personal Loan Repayment Example

Based on a £1400 loan from The One Stop Money, repaid over 18 months at 132.25% APR:

 

Total borrowed: £1800.00*

Monthly interest: £141.95

Total interest: £1155.10

Total repay: £2555.10

*Loans are repaid in equal monthly instalments

How Does a £1300 or £1400 Loan Work?

Our £1300 and £1400 loans are unsecured personal loans, so you do not need to put down any collateral, assets or guarantors to be approved.

 

The eligibility criteria is based on other factors such as your income, affordability and credit score. If you have a regular and stable income and can afford monthly repayments without being stretched, we are delighted to provide you with the funds you need.

 

Our entire application is online and takes less than 5 minutes to complete and get an initial offer. We do not take applications over the phone or by post.

 

During the application stage, you will be sent an online loan agreement which covers all the terms of your loan. Once this has been electronically signed by you, we can carry out some final checks and get your application ready to be funded and sent to your bank account.

 

Your £1300 or £1400 loan can be successfully transferred to your debit account in one lump sum – helping you to pay off an emergency, pressing bill or to make that important purchase.

 

 

What Can a £1300-£1400 Loan Be Used For?

Our £1300 and £1400 loans are best suited for emergency expenses and short-term expenses. We offer funds upfront so that you can pay an important bill or make a purchase and then repay over several months.

 

Typical reasons include:

  • Car repairs and fuel
  • Household repairs
  • Plumbing problems
  • Household bills
  • Pay rent
  • Medical and vet bills
  • Funeral expenses
  • Child expenses

Can I Borrow £1300 or £1400 With Bad Credit?

Yes, at The One Stop Money Shop we can offer £1300 and £1400 loans for bad credit histories and also for people that have a history of CCJs. To be eligible, you will need to have a regular and stable income and can agree to repay your loan on time.

 

We understand that maintaining the perfect credit score can be tricky with life’s little emergencies and having constant bills – and we are willing to review every application on a case-by-case basis.

 

Our £1300 loans are repaid in equal monthly instalments of 18 or 24 months. This can give you the opportunity to repay over time and get your finances to where they need to be.

 

To stay on top of your credit score, it is helpful to use a tool to monitor this regularly and follow the recommendations to improve your score, such as paying off credit cards and staying on top of loan repayments. 

 

 

Why Should I Use The One Stop Money Stop To Borrow £1300 or £1400 Pounds?

A direct lender – As a direct lender, we manage your entire application from start to finish and there are no other parties involved or feeling that you are being passed around. It always helps when you can work with the same company throughout your loan journey to keep things simple and our customer service team is always on-hand by either phone or email to assist you.

Same day funding – We understand the importance of speed if you have a pressing bill or important purchase to make. If you need £1300 fast, we are set up to process applications quickly online and provide fast decisions. In most cases, we can transfer funds on the same day of applying, provided that your loan has been approved by 3:30pm during Monday to Friday. 

Responsible and transparent – We are an FCA regulated firm (registration number: 713424) and believe strongly in treating customers fairly. With no upfront fees, no hidden fees and clear repayment examples, we want to maximise transparency for our customers and put you in control.

5-star rating – We have racked up hundreds of 5 star reviews from happy customers who would recommend our services.

How Do The Repayments Work For a £1300 Loan?

Your loan is repaid in equal monthly instalments, also known as instalment loans, so the repayment amount will be the exact same amount. You just have to make sure that you have money in your account on the scheduled repayment date each month, ready for collection. This is usually the last Friday of the month or a date that you choose.

Your repayment plan will be clearly presented to you in a loan agreement which is signed before the loan is completed and the funds are transferred.  

Your collections will be made automatically using our service which is similar to a direct debit. It is all automatic so there is no need to call up, go to the bank or make a manual repayment.

Customers can also make early repayments, either in part or in full. This may reduce the overall cost of your loan by paying off interest early. You simply need to login, email or call us to arrange partial or full early repayment.

borrow £1300 £1400 loans

What is The Eligibility Criteria?

  • Age: You must be over 25 years old.

  • Residency: You should be a full-time resident of the UK

  • Employment: You need to be employed either full-time or part-time

  • Affordability: You must be able to afford the monthly repayments and make repayment on the scheduled date

  • Banking: You must have a valid UK debit account for funds disbursement and repayment collection

  • Contact Information: A working mobile phone number and email address are required for loan verification and communication purposes.

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Complete a quick Online Application in just 5 minutes for instant provisional approval.

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    Quick and Easy Application

  • ccj

    Bad Credit & CCJ loans considered

  • reliable

    Direct, Reliable Lender for over 18 years

  • montly-payments

    Flexible repayment terms

Frequently asked questions

Who is The One Stop Money Shop?

We are a direct lender based in Yorkshire, England. We have been trading since 2004 and are passionate about helping consumers find affordable finance – and our products are not traditional payday loans, but rather than instalment loans that are repaid over longer periods to help offer financial flexibility and breathing space.

Do You Offer £1300 Payday Loans?

No, we do not offer payday loans are that are repaid at the end of the month in full. We offer a cheaper alternative to payday loans that are repaid over 6 to 24 monthly instalments. We understand that payday loans put pressure on customers to pay the entire loan sum in full on their next pay date. Our business is designed to offer more breathing space and flexibility for customers.
 

How Soon Can I Receive My Loan?


We can process same day funding for customers that are approved by 3:30pm that day (Monday to Friday). Once approved, the funding is instantly into your bank account.

We always endeavour to approve and fund loans as quickly as possible and encourage applicants to be on hand by email or phone if we require more information.

Do You Run Credit Checks?

Yes, we always run credit checks before approving and funding a loan application. This allows us to better understand the financial background of a customer and avoid giving them extra finance that they cannot afford or will put extra pressure on them.

Do I Need a Guarantor To Be Approved?

No, all loans are unsecured and directly with the borrower, so you do not require a guarantor or co-signer to be eligible. We do not require any further collateral or security.

What Happens if I Miss a Repayment?

You will usually have up to 24 hours to respond if you have missed a monthly repayment. Otherwise, your loan could be subject to late fees, penalties, added interest and cause a negative impact to your credit score.

If you are having financial difficulty, we encourage you to speak to our team as early as possible so that we can offer you some assistance.

 

Need Help?

We believe in providing transparent information so you can make informed decisions about your borrowing needs. If you have any questions or require further clarification regarding the cost of borrowing money online with us, our friendly team is always available to assist you.

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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.

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