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£550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR


18 monthly payments of £113.06, repaying £2,035.08 in total

Standard personal loans term is 18 months. The interest we charge is directly related to the length of time you have your loan.

Max APR 937.8% (based on £550 over 18 months). All loans are subject to eligibility & affordability criteria. Late payment or non-payment may result in additional fees such as court fees. Click here for our renewal policy. Over 21s only, T&Cs apply.

Why might you need an 18 month loan?

Sometimes you need a helping hand to get through difficult times. This applies just as much to money as any other area of your life. 

However well you plan, your finances can sometimes be put under enormous strain. Whether it’s urgent car repairs, an appliance breakdown, a family emergency or a large unexpected bill, you need some extra money fast.

When this happens, one solution is a loan. And if you are considering taking out a loan, there are several advantages to making it an 18 month loan: 

  • Your loan payments are spread out evenly across the duration of your 18 month loan so that you are not struggling to pay too much back at once;
  • An 18 month loan gives you plenty of time to sort out your current situation and get the rest of your finances back on track;
  • Your loan will be all finished after 18 months. You may even be able to repay your 18 month loan back early if you can afford to do so.


How much can I borrow with an 18 month loan?

Loans 2 Go offer 18 month loans between £250 and £1049.

You can then repay your 18 month loan in either weekly, fortnightly or monthly instalments, whichever works best for you. You can pay us either via Continuous Payment Authority debit card repayments or by using our online payment portal.

There are no fees for setting up your 18 month loan, and no fees if you decide to repay all or part of your 18 month loan early.


Would I be eligible for an 18 month loan with bad credit?

Yes, possibly. It very much depends on your current financial situation. We will consider lending to you with poor credit history or even a CCJ as long as you are now able to afford the repayments on an 18 month loan. As a responsible lender we would not want you to take on a loan that you are unable to repay.

So we do check your credit report as part of the 18 month loan application process but we are more interested in your present financial situation than whatever might have happened in the past. We are a direct lender so there is no third party involved in the process.

To apply for an 18 month loan with us, you need to be:

  • At least 21 years old;
  • Currently employed with a regular income;
  • Resident in the UK, either as a homeowner, tenant, or living with parents;
  • The holder of a UK bank account and debit card.


How do I apply for an 18 month loan?

You can apply quickly and easily for an 18 month loan with us online.

All you need to do is:

  1. Click Apply Now and use the slider to select how much you want to borrow. 
  2. Enter the information we need then submit your application to us.
  3. Receive our decision. We aim to make this instantly and, if approved,  get your 18 month loan money into your account within 15 minutes.

If you prefer to discuss your 18 month loan application in more detail, you can either call us on 0330 400 6000 or email us at

So if you are going through some difficult times and need a financial boost, an 18 month loan from Loans 2 Go could be a solution well worth considering.

Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total.