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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.

  • Fast application & decision within 1-2 hours
  • CCJs & Poor Credit History Accepted
  • Reliable Lender for over 20 years
  • Flexible repayment terms from 6 - 24 months
  • Paid directly into your bank account

Our top priority is providing excellent customer service and if your loan is approved before 3:30pm, we can transfer funds to you on the same day.

To get started, click the ‘apply now’ button above.

Apply Now
  • 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

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What Is The Criteria For Applying?

We have developed a 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:

  • Over 25 Years Of Age:

    We are committed to responsible lending, which is to always act in the customer’s best interests and as such you must be over 25 years of age, to apply for one of our loans.

  • 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 ensure we 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, not just your credit score.

  • Valid UK Bank Account Holder:

    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 & 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 the necessary documentation.

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.

Apply Now

No Obligation. 100% Secure