The One Stop Money Shop

What The One Stop Money Shop does

The One Stop Money Shop Ltd is a privately held, FCA-authorised (registration 713424) UK direct consumer lender, founded in 2002 as a credit broker and operating as a direct lender since 2005. The company originates short-term instalment loans of £400 to £2,500, repaid over 6 to 24 months in equal monthly instalments, with a representative APR of 295.60% fixed. Its core customer segments are employed UK residents with impaired credit histories, including those with County Court Judgements, who are typically rejected by mainstream banks and seeking an alternative to 14–30 day payday loans. Geographically the firm operates only in England, Wales and Northern Ireland, deliberately excluding Scotland due to separate regulatory requirements, with offices in Wakefield and Harrogate in Yorkshire.

The lending platform is built on a fully online, direct-to-consumer application flow with no brokers or middlemen, supported by automated underwriting rules, soft credit searches via Equifax, selective Open Banking affordability verification, and First Data for payment processing. Acquisition is driven primarily by an SEO-led content engine of 122+ educational guides and dedicated landing pages per loan type, supplemented by a Trustpilot reputation footprint, an in-house UK phone support team, and an affiliate programme that includes price comparison and lead generation partners. When an application is declined, the firm generates a secondary revenue stream by passing applicant details to TFLI Limited under a commission arrangement. The company is bootstrapped with no disclosed external investors, no parent company, no subsidiaries, and no M&A activity.

Name

The One Stop Money Shop

Legal name

The One Stop Money Shop Ltd

Website

https://theonestopmoneyshop.co.uk

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

The One Stop Money Shop is a privately held FCA-authorised UK direct lender providing £400–£2,500 instalment loans over 6–24 months to employed UK consumers with bad credit or CCJs, processed entirely online through its own underwriting platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Wakefield

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel

Revenue model

1. Loan Interest: Revenue generated from interest charged on short-term instalment loans. Borrowers repay principal plus interest over 6-24 months in equal monthly instalments. Representative APR is 295.60% fixed.
2. Affiliate Commissions: When a loan application is unsuccessful, The One Stop Money Shop may pass details to TFLI Limited (credit broker) and receive commission for successful introductions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

The One Stop Money Shop is a UK-based direct lender (since 2005) offering short-term instalment loans ranging from £400 to £2,500, repayable over 6 to 24 months in equal monthly instalments. The company operates a fully online application process with automated underwriting, soft credit checks, and same-day funding for approvals before 3:30pm, and is positioned as an instalment-loan alternative to traditional payday loans.

Product overview

The One Stop Money Shop operates as a direct lender offering a unified short-term lending platform. The core product is short-term instalment loans ranging from £400 to £2,500, repaid over 6 to 24 months. This main offering is supplemented by specific loan variants including Bad Credit Loans, CCJ Loans, Emergency Cash Loans, Payday Loan Alternatives, Same Day Loans, and Unsecured Loans — all built on the same underlying lending infrastructure with variations in eligibility criteria and use case targeting. The company acts as a single-product platform with multiple loan types positioned for different borrower segments (bad credit, CCJ history, urgent needs), all processed through the same online application and automated underwriting system.

Differentiator

Problem solved

Functional benefit

Products and services

• Short Term Loans

Quantifiable outcome

• Decision within 1-2 hours for most applications
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• EquifaxcoreTechnology or IntegrationCredit reference agency partnership for financial background checks and verification. Equifax provides credit score data and verification services to assess applicant creditworthiness.
• First DatacoreTechnology or IntegrationPayment service company handling payment processing for loan transactions and repayments.
• TFLI Limited (trading as Light Finance)minorChannel Partner/ Reseller/ DistributorCredit broker authorised by FCA (authorisation number 723630). When a loan application with The One Stop Money Shop is unsuccessful and the applicant consents, their details may be passed to TFLI Limited to help find suitable lending solutions from their panel of lenders. The One Stop Money Shop receives commission for successful introductions.
• Affiliates and Referral PartnersminorChannel Partner/ Reseller/ DistributorCommission-based affiliate programme for partners who send applicants to the website. Monthly commissions available upon successful approval. Open to affiliates, referral partnerships, lead generation, traffic partnerships, and price comparison partners.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Sunny: UK-based online direct lender offering short-term instalment loans to sub-prime borrowers, with similar ticket sizes and online-only application model. Closest direct competitor to The One Stop Money Shop in the UK non-payday instalment segment.
• Amigo Loans: UK FCA-regulated lender providing credit to borrowers who are typically rejected by mainstream banks. While its product is guarantor-backed rather than pure instalment, it competes for the same sub-prime UK customer base.
• Satsuma Loans: UK online instalment lender offering short-term loans to borrowers with imperfect credit, with similar repayment structures and direct-to-consumer online application flow.
• 118 118 Money: UK-based consumer lender offering loans and credit cards to near-prime and sub-prime borrowers. Comparable in targeting non-mainstream borrowers with a strong direct-to-consumer brand.
• Oakam: UK digital lender providing small instalment loans to sub-prime borrowers via an online application. Overlaps directly with The One Stop Money Shop on customer segment, ticket size, and product structure.
• Likely Loans: UK online instalment lender specialising in loans for people with poor credit history. Competes for the same bad-credit borrower segment with a similar short-term instalment product.
• Peachy: UK-based online instalment lender offering short-term loans repaid over multiple months. Closely comparable on product structure, target customer, and digital-only distribution.
• Cashfloat: UK FCA-authorised online lender offering short-term instalment and payday-style loans. Overlaps with The One Stop Money Shop on product, regulatory standing, and sub-prime customer focus.
• MyJar: UK mobile-first short-term instalment lender. Comparable online/mobile application, small-ticket instalment loans, and concentration on sub-prime UK borrowers.
• TFS Loans: UK FCA-regulated direct lender offering short-term instalment loans to sub-prime borrowers via an online application. Direct competitor in product, ticket size, and customer profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/the-one-stop-money-shop-limited

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The One Stop Money Shop