Representative 535%​ APR.

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

Are you thinking about a loan from 118 118?

118 118 offer loans from 1 to 2 years and you can apply to borrow up to £5,000. Satsuma offer loans from £100 - £1,000, subject to affordability, from 3 to 12 months.

The minimum loan from 118 Money is £1,000 whilst the minimum amount you can apply for with Satsuma is £100.

What do Satsuma offer?

New customers at Satsuma can borrow up to £1,000, subject to affordability. We provide short term loans and you can choose to repay your loan over 3 to 12 months. We also give you the option of repaying your loan in either weekly or monthly instalments. This is something 118 118 loans do not offer.

Bad credit loans

At Satsuma we consider all circumstances. If you have poor credit and need a loan you could still apply with Satsuma. The most important thing is that you are able to afford the repayments. And what's more, we will tell you if you are eligible for a Satsuma loan before you even apply* (if you check before you apply). Satsuma loans however are of a higher rate of interest in comparison with high street lending.

Check your eligibility before you apply

You can check before you apply. Just answer a few questions and we will instantly tell you if you are eligible for a Satsuma loan, without affecting your credit rating*. 

Checking before you apply gives you the peace of mind you are looking for if you have had credit difficulties in the past. And it does all this without a credit check.


How it works

We check your info

It's not a full application so we only need a few details

Protect your credit score

No matter the result, it won't affect your credit score unless you choose to apply

Give you your result

You'll find out in 60 seconds. We'll need to check your details if you choose to apply*

Loan calculator

Use our loan calculator to see how much your repayments will be on the amount you wish to borrow. Don't forget you can choose to repay your loan in either weekly or monthly instalments.


Applying for a Satsuma loan? 

Applying for a Satsuma loan is a 3 step process:

  • Use the loan calculator to decide how much you wish to borrow and how long you want to borrow the money for.
  • Check to see if you are eligible for a Satsuma loan.
  • Complete our online application.

*Unless you choose to apply, approval for a Satsuma Loan is subject to successful completion of affordability and identity checks. Satsuma Loans are only available to UK residents who are at least 18 years of age and have a valid UK bank account and debit card.