Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

JL Money Logo

How it Works

How do JL Money loans work?

Our range of loans are designed to offer you a solution when unexpected expenses arise.

We offer a variety of different loans specifically created to suit different needs, with options to borrow between 1 – 24 months.

As a responsible lender, our trained advisors work closely with you to ensure you choose a loan that’s best for you, which you can afford.

Our repayment plans are flexible, too, with no hidden costs or surprises. You also won’t be penalised if you decide to pay back your loan early.

How do I apply?

How you apply is simple.


Decide what it is you need a loan for, how much you need to borrow and how long you’d like to borrow it for. If you’re not sure about something, simply pick up the phone and give one of our friendly team members a call. They can talk you through our range of loan products and help you decide which is best for you.


Then, once you’ve decided exactly what you need, you can apply online via our quick and easy application form.

We understand that time can be tight, so we’ll aim to get an initial decision to you on the success of your application within 2 hours.

If you apply outside of the hours of 9am – 4pm Monday to Friday, we shall respond the next working day.


Any UK residents aged 18 and over in full, part-time or self-employment can apply for a JL Money loan; even those receiving their income from a pension. Unfortunately, we can’t accept applications from those on Jobseekers Allowance, Income Support or Sickness Benefits. Lending is subject to financial circumstance and status

Apply Iocn

What do I need when applying?

All you need to have with you when applying for a JL Money loan is the following:

  • Your current passport or full UK photo driving licence
  • Your last three months’ bank statements from your current account, clearly showing your address, account details and income
  • The debit card used for your current bank account (which must have direct debit facility)

If you’re applying for one of our guarantor loans, then you’ll also need to have the following:

  • Proof of your guarantor’s employment – i.e.  their past three months’ bank statements
  • Proof of your guarantor’s address – i.e. an electricity or council tax bill

That’s it!

Late or missed payments

We understand that sometimes things don’t quite go to plan. That’s why we never charge any fees for late or missed payments. If you do feel like you can’t keep up with your repayment plan, or your circumstances have changed, we simply ask that you let us know. We’ll do all we can to work with you to find a solution as quickly as possible, devising a repayment plan that suits you- and your new circumstances- better.

Price Comparison

We pride ourselves on offering a lower APR than many of our competitors.

Rates & Charges

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk