Emergency Cash Loans £400-£2,500

If you need money fast for an emergency, The One Stop Money Shop is here to help you borrow £400-£2,500 with same day funding if approved by 3:30pm.

 

For broken boilers, car repairs or bills mounting on the kitchen table, we offer unsecured personal loans that can offer funds upfront so that you can pay for your emergency expenses immediately and get life back on track.

 

We offer a fully online loan application, so you can complete your details using our form in less than 5 minutes and receive a provisional loan offer. Subject to further checks, we aim to approve and fund your loan application on the same day or as soon as possible.

 

There are no fees for applying and we are able to consider customers with bad credit. Simply use our calculator and click on the ‘apply now’ button to get started.

 
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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 £400-£2500

-Direct Lender

-Same Day Approval and Funding

-Repaid in Equal Monthly Instalments

-Must Be UK Residents and Employed

-Bad Credit Considered

-100% Online Application

What is an Emergency Cash Loan?

An emergency cash loan offers immediate funds that can be used off to pay a pressing bill. Whether it is fixing a toilet, shower or household repair or getting your car back on the road, life is full of unexpected emergencies and expenses that can cost the earth.

 

Our emergency loans offer an immediate cash injection to pay off your emergency and give you 6-24 months to repay in instalments and help you get back on your feet.

 

Our emergency loans are unsecured personal loans, and we require customers to be employed and earning a regular income to be eligible.

I Need Money Urgently For An Emergency – Can You Help?

Yes, we understand that if you need money fast for an emergency, you require a facility that provides same day funding. With an online application process, we can get all the information we need to process your loan. 

 

We will always run some additional credit and affordability checks and may require a quick phone call to you to confirm some details. This is why we always encourage you to give honest and accurate information since this helps us process your application faster.

 

We can offer emergency loans for:

 

-Car repairs

-Pressing bills

-Toilet leaks

-Plumbing problems

-Home repairs

-Funeral expenses

-Medical bills

-Emergency travel

Why Should I Use The One Stop Money Shop if I Need Cash Fast?

Honest and transparency – We are an FCA registered entity and follow the strictest rules in terms of responsible lending and treating customers fairly. We do not charge any fees for applying, no hidden fees or arrangement fees and present our loan examples clearly so that you know exactly how much you are repaying during your loan term.

Fast funding – Speed and efficiency is a big part of what makes us special, with same day funding available to help you pay for those important emergencies.

Flexible – We are proud to be a payday loan alternative, offering instalment loans that are repaid in equal monthly payments over 6 to 24 months. This offers important flexibility if you need some added breathing space.

Direct Lender – As a direct lender, you will work with The One Stop Money Shop from start to finish, with no other parties or companies to work with. We will be sending you all communication and you will deal with us every step of the way.

 

Do You Offer Emergency Cash Loans On The Same Day?

Yes, we offer same day emergency loans, with funds transferred to your bank account if approved by 3:30pm that day. We can process loan applications during evenings and weekends, but loans will only be funded during working hours.

Can I Get an Emergency Loan With Bad Credit?

 

Yes, we offer emergency loans for people with bad credit and poor credit. We are able to consider different credit backgrounds and circumstances, you just need to be employed and earning a regular wage to be eligible and this gives us security that you can keep up with monthly repayments without falling into financial difficulty.

emergency cash 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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Apply Online in less than 5 minutes

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

Are You FCA Regulated?

Yes, we are FCA regulated and uphold the highest level of practices for responsible lending and treating customers fairly. This ensures transparency of fees and best practice for consumers in every step of their loan journey with us.

Do You Offer Equal Monthly Repayments?

Yes, repayments are made in equal monthly instalments so that you know exactly how much you are repaying each month and there are no surprises. We will send you an email and SMS message on the run up to each repayment so that you can be prepared. Payments will be taken automatically out of your debit account.

Do You Always Run Credit Checks?

Yes, we run credit checks for every application prior to funding. We need to ensure that our customers can afford our loans and will not fall into any financial difficulty. By carrying out a credit check, we can see if they have any existing loans open or in arrears that might complicate their financial situation.
 

Do You Offer Emergency Loans With No Credit Checks?


No, every loan application is subject to credit checks and this is not something that we can accommodate. There are no credit check loans that do exist and this may require using a guarantor, security or collateral to be approved.

Can I Repay My Loan Early?

Yes, you can repay your loan early at any point and just because you have taken out the loan for 12 or 24 months doesn’t mean that you have to keep it for that long, you could repay it after 3 or 6 months if you prefer. Repaying early will be cheaper overall because you are building up less interest over time.

Do You Offer Loans For People That Are Unemployed or On Benefits?

No, all customers must be employed, either part-time or full-time and earning a regular income to be eligible for a £600 loan.

What Happens if I Miss My Repayments?

If you cannot repay your loan, you will be sent an email and SMS follow up and reminder for payment.

Our team will contact you a legal amount of times to recover payment and if delayed, your loan could be subject to late fees, penalties, added interest and 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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No Obligation. 100% Secure