Spend in hours, not poundsDownload our new 118M8 app Spend your hours wisely
Are you serious about getting financially fit? We can help.
Choose the borrowing option that fits
Start with an eligibility check for a personal loan or a credit card.
Credit card
For everyday spending, spreading costs, and building your credit history with one simple rate.
- Credit limits from £250 to £5,000
- This won't affect your credit score
- Representative 49.0% APR variable
Representative example: Amount of credit £1,200. Interest rate: 49.0% pa (variable) Representative 49.0% APR (variable)
Personal loan
For a fixed amount up front, with scheduled repayments that make the cost clear from the start.
- Borrow £1,000 to £8,000
- This won't affect your credit score
- Representative 49.9% APR
Representative example: Amount of credit £2,000 for 24 months. Interest rate: 41.2% pa (fixed). 24 scheduled monthly payments of £123.64. Total amount payable: £2,967.43 Representative 49.9% APR.
What our customers have to say
Keeping it simple
Everyone should have access to credit at a fair and affordable price. In a world full of sneaky small print and hidden fees, you'll get none of that here. We keep things simple, transparent, and easy to get to grips with.
No catches. No gimmicks.
Meet 118M8, your Financial Fitness mate
118M8 helps you see your spending differently, spot patterns, and make everyday money choices feel easier to understand.
Spend in hours, not pounds. See what your money really means, then choose what is worth it.
