Also known as: 118 118 Money
118 118 Money is the consumer lending trading name of Madison CF UK Limited, part of the kgb Group. It provides short-term, high-cost personal loans and credit cards targeting customers with lower credit scores or limited mainstream access. Authorised and regulated by the FCA.
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High-cost unsecured personal loans (£1,000–£5,000), credit cards; typical APR 35.9%–99.9%
Trading names and group notes
Part of kgb Group which also operates the 118 118 directory enquiries brand. Previously registered at 71-73 Carter Lane EC4V 5EQ.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.5
Approx. 59,000+ (as of mid-2026; 89% 5-star) reviews
Other review and social proof
Rated 4.5/5 on Traders Union; also reviewed on Smart Money People
Overall public sentiment
Predominantly positive reviews praising fast application, quick fund transfer and willingness to lend to lower credit score customers. Negatives: high interest rates, occasional app glitches, long call centre wait times.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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