Also known as: 118 118 Money
Madison CF UK Limited operates the 118 118 Money brand in the UK. 118 118 Money is a consumer credit provider that offers personal loans and credit cards, primarily to customers who may not qualify for mainstream bank products. The brand is associated with the 118 118 directory enquiries service but is a separate financial business.
118 118 Money provides personal loans and credit cards aimed at customers with non-standard or limited credit histories. Interest rates are higher than those offered by mainstream lenders, reflecting the higher risk involved. Products are managed online.
If you have a 118 118 Money loan or credit card and need to contact them, details are available on their website at 118118money.com. Madison CF UK Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with repayments on a 118 118 Money product, contact their customer service team. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are free and can help you manage any consumer credit debt. 118 118 Money has faced some criticism for high interest rates on its personal loan products. As with any non-standard lender, it is important to compare the total amount you will repay, not just the monthly cost, before accepting a loan offer. If you have multiple debts and are finding it hard to manage them, free debt advice from StepChange, National Debtline, or Citizens Advice can help you look at the bigger picture and identify the best approach to becoming debt-free. You should never feel under pressure to accept any loan offer, and you always have the right to take time to compare options.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Madison CF UK Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
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 sources
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.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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