The 118 118 Money Quick Loans Alternative lets you borrow up to £1,200 with a guaranteed credit limit and a competitive APR of 49%. You can use their eligibility checker online to see if you qualify, which won’t impact your credit score. The application process is simple and most decisions are provided quickly, making this option a practical solution if you need flexible access to credit.

To apply, you need to be a UK resident aged 18-70, with a minimum annual income of £8,400. You will need to submit some basic personal and financial details online. Once approved, you’ll receive your credit card via post, and you can expect up to 51 days interest-free on purchases if you pay your balance in full each month.

How to Apply for the 118 118 Money Quick Loans Alternative

• Go to the lender’s application page
• Complete the eligibility checker
• Submit your personal and employment details
• Receive a quick lending decision
• If approved, receive your credit card by post

Pros of the 118 118 Money Alternative

This card stands out by offering a guaranteed APR and transparent repayments, making it easier to manage your finances. The eligibility checker also helps applicants avoid unnecessary credit score impacts during the initial steps.

Additionally, clients can expect fast response times and eligibility for people with less than perfect credit histories, further increasing accessibility for many borrowers.

Cons of the 118 118 Money Alternative

The representative APR of 49% is higher than some traditional credit cards, so it may not be the best fit for those seeking low-interest borrowing. Funding is not instant as you must wait for the card to arrive in the post before use.

There’s also a requirement for a minimum income and recent credit stability, which may exclude some potential borrowers.

Verdict: Should You Choose 118 118 Money?

Overall, the 118 118 Money Quick Loans Alternative is suitable for those seeking flexibility, fast decisions, and clear terms, particularly if you don’t qualify for mainstream cards. Consider your needs and financial situation carefully.