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Borrow Money From a Direct Lender

At The One Stop Money Shop, we offer loans ranging from £400 to £2500 that are repaid over monthly instalments in 6 to 24 months. We are a direct lender and will work with you every step of the application journey all the way through to funding.

Our loans are typically used for emergency purposes – and with an instant approval available, we can transfer the full amount to your bank account on the same day of applying, provided you are fully approved by 3:30pm today.

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How Much Does It Cost To Borrow Money From The One Stop Money Shop?

Amount borrowed Monthly repayment Cost of borrowing Total repaid over 12 months
£400 £63.33 £360.02 £760.02
£500 £79.17 £450.03 £950.03
£600 £95.00 £540.03 £1,140.03
£700 £110.83 £630.04 £1,330.04
£800 £126.67 £720.04 £1,520.04
£900 £142.50 £810.05 £1,710.05
£1,000 £158.34 £900.05 £1,900.05
£1,500 £237.51 £1,350.08 £2,850.08
£2,000 £316.68 £1,800.10 £3,800.10
£2,500 £395.84 £2,250.13 £4,750.13

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

Why Borrow Money with The One Stop Money Shop?

When borrowing money, you want a lender that offers speed, reliability, and flexibility. At The One Stop Money Shop, we are proud to be the preferred choice for many who choose to borrow directly from an independent lender.

Here’s why you should choose us for your borrowing needs:

  • Fast Application & Decision, Money Paid the Same Day*

    We know that things can be difficult when you need funds urgently. We have worked hard to offer a fast and streamlined application process when you apply for a loan with The One Stop Money Shop.

    Our online application takes just 5 minutes to complete, and you can get your money on the same day*. Our efficient online application process means that you can usually receive a decision within hours, getting access to the money you need when you need it.

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

  • CCJs & Poor Credit History Accepted

    Don’t let a less-than-perfect credit history hold you back. At The One Stop Money Shop, we believe everyone deserves a fair chance, and that’s why we accept applications from individuals with CCJs and poor credit histories (see CCJ loans). We focus on your current financial situation and ability to repay rather than dwelling on past credit issues, and every application is viewed in detail based on your personal circumstances and history.

  • Borrow from a Reliable, Independent Lender for Over 15 Years

    Trust is essential when choosing where to borrow money online. With over 15 years of experience, we have built a solid reputation as a reliable and independent direct lender. We have helped over 200,000 people like you borrow money during our years in business, and our commitment to exceptional service, fast turnaround times and customer satisfaction remains at the heart of what we do.

  • Choose Flexible Repayment Terms from 6 – 24 Months

    We understand that financial circumstances can vary from person to person. That’s why we offer flexible repayment terms ranging from 6 to 24 months. This allows you to choose a repayment schedule that suits your budget and helps you manage your finances effectively.

  • Applying Won’t Affect Your Credit Score

    We believe in responsible lending. When you apply for a loan with us, rest assured that it won’t negatively impact your credit score. We conduct soft credit checks that do not leave a footprint on your credit history. You can explore your options and apply confidently, knowing your credit score remains unaffected.

  • No Hidden Costs or Fees

    Transparency is crucial in financial transactions, and we are committed to honesty and clarity. You can trust that our loans have no hidden costs or fees at all – the settlement that we share will be everything you pay, with no hidden extras. We believe in upfront and transparent communication, ensuring that you fully understand the terms and conditions of your loan so there are no surprises coming later.

  • Fast Telephone Support from Our Friendly Team

    We pride ourselves on our exceptional customer service. Our friendly and knowledgeable team are here to assist you every step of the way, with years of experience on hand to support you, whether you have questions, need guidance, or require support. Our dedicated professionals are just a phone call away, with no lengthy hold times or call centres or queue up in. We value your time and strive to provide prompt and helpful assistance whenever needed.

    Choose The One Stop Money Shop for your borrowing needs and experience fast, reliable funding with flexible repayment terms. Apply today and discover why we are the trusted choice for thousands of borrowers nationwide.

    *Terms and conditions apply. Subject to eligibility criteria and successful application.

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    Bad Credit & CCJ loans considered

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    Direct, Reliable Lender for over 18 years

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    Flexible repayment terms

What is the criteria for Applying?

We have developed straightforward eligibility and acceptance criteria to ensure all applicants and customers have a smooth borrowing experience. To apply for a loan, you must meet the following requirements:

  • Age Requirement

    You must be over 25 years of age. We believe in providing financial assistance to people who have reached a certain level of maturity and stability.

  • UK Residency

    To be eligible for our loans, you must be a full-time United Kingdom resident. We prioritise serving customers within the UK to provide a seamless borrowing process.

  • Employment Status

    Whether you are employed full-time or part-time, we welcome your application. We understand that individuals have different work arrangements, and we consider both employment types for loan approval.

  • Ability to Make Monthly Repayments

    As responsible lenders, we want to ensure our customers can comfortably manage their loan repayments. Therefore, we assess your ability to repay monthly based on your income and expenses.

  • Valid UK Bank Account

    A valid UK bank account is necessary to facilitate smooth and secure transactions. It lets us deposit the approved loan amount directly into your account for quick access.

  • Valid UK Mobile Number and Email Address

    We require a valid UK mobile number and email address to communicate with you throughout the loan process. This ensures you promptly receive updates, loan offers, and necessary documentation.

We believe in responsible lending practices, and as part of our commitment to your financial well-being, we conduct a series of checks before loan approval. These checks won’t affect your credit score, and include:

  • Credit Check

    We perform a credit check to assess your credit history and determine if you have any outstanding debts. We aim to ensure that taking a loan will not put you in a worse financial position.

  • Affordability Check

    To determine the loan amount you can borrow; we review your monthly income against your monthly expenses. This helps us assess your affordability and ensure the loan repayments align with your financial situation.

We strive to make the application process as smooth as possible while ensuring our customers can borrow responsibly and comfortably. Apply with confidence, knowing that we have your best interests in mind.

Please note that more than meeting the eligibility criteria is needed to guarantee loan approval. The loan amount and terms are subject to our assessment and your financial circumstances.

Can I Borrow Money Fast?

The One Stop Money Shop is here to help when you need money quickly. We understand that financial emergencies can arise, and you may need funds urgently.

Here’s how we ensure fast funding for our customers:

  • Fast Application Processing

    You can expect fast processing if you submit your loan application during our office hours. We work diligently to review and process applications promptly, ensuring you receive a decision as quickly as possible, usually within a couple of hours if you apply in full before 3pm.

  • Weekend and Bank Holiday Applications

    Even if you apply on weekends or bank holidays, don’t worry! We’ve got you covered. While our processing times may vary during these periods, we will ensure your application is processed on the next working day. This way, you can still access the funds you need promptly.

  • Prepare the Required Information

    To fast-track your loan application, gathering all the necessary information beforehand is a good idea. This includes details about your monthly income, expenses, and bank account. Having this information readily available when applying will help speed up the process and ensure we process your application swiftly.

Can I Borrow Money For Emergencies?

Yes, our loans are designed to be used for emergency purposes with the chance of being approved and funded on the same day. We can help you access finance for the following purposes:

  • Household repairs
  • Household expenses
  • Grocery bills
  • Paying rent or mortgage
  • Childcare expenses
  • Car repairs
  • Funeral costs
  • Helping out other family members

When applying, it is always essential to think about how you are going to repay your loan. Whilst being in an emergency position is not ideal, you do not want to take on additional credit and find that you will have trouble repaying this later on – since this can accrue added fees and negatively impact your credit score. It is always essential to take your time and consider all options before committing to a personal loan, such as speaking to close family and friends. See also emergency cash loans.

Can I Borrow Money With a Bad Credit History?

Yes, The One Stop Money Shop can help you borrow money with a bad credit history or history of CCJs. We understand that keeping a perfect credit score is not always possible – and if you are committed to repaying your loan on time and meet our criteria, we are delighted to assist you.

You can be approved even with bad credit, provided that you have been employed for 6 months, have a stable income and are able to afford monthly repayments.

Check out our quick loans details if you’re looking for more information on our fast funding options.

We understand the importance of timely financial assistance. Our goal is to provide you with fast funding solutions so that you can address your financial needs without unnecessary delays. Apply with us today and experience the convenience of our efficient loan process.

Please note that the speed of funding is subject to application review, approval, and meeting our eligibility criteria.
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How Much Does It Cost To Borrow Money From The One Stop Money Shop?

We strive to provide transparent and affordable borrowing options, and want you to have a clear understanding of the costs involved.

Representative Example:

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

Loan amount £500 over 12 Months:

MonthRepayment
Month 1£81.25
Month 2£81.25
Month 3£81.25
Month 4£81.25
Month 5£81.25
Month 6£81.25
Month 7£81.25
Month 8£81.25
Month 9£81.25
Month 10£81.25
Month 11£81.25
Month 12£81.25

Total Interest: £475.00

Total Repay: £975.00

Here’s what you need to know about the cost of borrowing money online with us:

  • Price Cap by FCA

    The cost of borrowing through our platform is regulated by the Financial Conduct Authority (FCA). The FCA introduced a price cap, ensuring the maximum daily interest rate is less than 0.8%. This cap is in place to protect consumers and prevent excessive charges.

  • Equal Monthly Instalments

    Your loan is repaid in equal monthly instalments when you borrow from us. This allows you to plan your budget effectively, knowing how much you need to repay each month. We believe in providing a manageable repayment structure that helps you stay on top of your finances.

  • Option to Repay Early

    We understand that circumstances can change, and you may have the means to repay your loan earlier than anticipated. With The One Stop Money Shop, you always have the option to repay your loan early without any penalties. This gives you flexibility and helps you save on interest charges.

  • No Double Repayment

    Rest assured that you will never repay double the borrowed amount. We are committed to responsible lending, and our loan terms are designed to be fair and affordable.

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.

Frequently asked questions

What is Lorem Ipsum?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What is Lorem Ipsum?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

What is Lorem Ipsum?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

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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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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*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.