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.

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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 to £2500

>Same day funding available

>Repaid over 6 to 24 months in equal instalments

>Completely online

>Bad credit considered  

How Fast Can My Loan Be Approved and Funded?

 

We aim to approve new loan applications as quickly as possible and we are able to transfer funds on the same day as long as they are approved by 3:30pm that day.

 

We do not offer transfer funds on weekends and will therefore complete payment on the next working day.

What Can Emergency Cash Loans Be Used For?

 

>Car repairs and expenses

>House repairs and damages

>Plumbing problems

>Paying for groceries

>Child expenses

>Funeral costs

>Paying rent

>Council tax

What Should Emergency Cash Loans Not Be Used For?

 

>Holidays

>Gifts

>New cars

>Betting

>Luxuries

Emergency loans often carry higher interest rates than standard credit cards and personal loans and therefore they should be used for genuine emergencies and with a view that they can be repaid in full in a few months’ time. 

Using emergency financial products as a long term solution or for ongoing debt problems is not advised and borrowers should speak to a debt professional or charity in this case.

 

Why Use The One Stop For Emergency Cash Loans?

 

We were founded in 2002 and have always had a passion for doing the right thing for the customer. We offer affordable finance as a payday loan alternative, helping customers to spread repayment over 6 to 24 months to provide flexibility and added breathing space.

 

We are an FCA-regulated lender and follow the highest levels of responsible lending and treating customers fairly and aim to practice this in every aspect of our business and the customer journey.

 

We are a direct lender and you can have confidence that you are working with The One Stop Money Shop every step of the way, with no other brokers or hidden fees.

     

Can I Get an Emergency Loan With Bad Credit?

 

Yes, we are able to offer emergency loans for people with bad credit. Our business is designed to consider all types of credit histories and we do not expect customers to have a perfect credit score.

 

We understand that emergencies can happen in life and this can cause your credit score to fluctuate. However, we are able to assist those people looking for loans with bad credit and CCJs provided that they have a stable income, employment and can afford to make our monthly repayments on time.

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emergency cash loans

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.

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No Obligation. 100% Secure

What Types of Emergency Loans Are Available?

 

Short Term and Personal Loans

 

A short term loan can last for 6 to 24 months and is unsecured, so your eligibility is based on your income, affordability and credit score. This type of loan carries medium interest rates and is designed to be paid off in full in just a few months time, and customers have the option to repay early in full if they wish. Repayments are in equal monthly instalments.

 

Instalment Loans

 

If you have an emergency expense, this type of unsecured loan offers the funds upfront and is paid off in monthly instalments to help manage and spread repayments. Whether you borrow over 6,9,12 or 24 months, you pay the same equal amount each month, so it is consistent. 

 

 

Payday Loans

 

Payday loans offer immediate funds to pay for emergencies and payment is expected in full on your next pay date from work, typically the last Friday of the month. These loans are designed for short-term emergencies and not long term debt solutions since they carry higher interest rates than typical products. 

 

Credit Card Advances

 

A credit card cash advance is a way to borrow cash directly from your credit card instead of using it to make purchases. 

 

A cash advance can usually be taken out at an ATM, through a bank, or by transferring funds into a checking account. The interest rates are typically higher than normal credit card purchase rates because the interest starts accumulating immediately from the day the cash is withdrawn. 

 

Logbook Loans

 

With a logbook loan, you can receive 50% to 70% of your car’s value and often receive funds in 24-48 hours of applying. The loan is secured against your value and failing to pay could result in repossession.

 

 

About The One Stop Money Shop

 

The One Stop Money Shop is a direct lender offering a short-term solution for emergency cash shortfalls. Our loans are unsecured and repaid over 6 to 24 months in equal monthly instalments. We are able to consider bad credit scores and those with a history of CCJs and interest rate you are charged will be based on your credit status and affordability. We are able to offer same day emergency loans provided that your loan is approved by 3:30pm on a working day.