1 Plus 1

APR: 47.8% Representative
Loan amount: £500 - £5,000
Repayment duration: 12 - 60 Months
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1 Plus 1 customer reviews

4.5 out of 5 from 56 reviews

total opposite of other review

17:24 30-01-2017

Imagevia Choose Wisely

I have found these people to be really helpful and fast at paying out the loan. They have never harassed me for payment when late and I am still eligible for a top up.

Paul Whitting

Great communication.

16:13 30-09-2017

Imagevia Smart Money People

Really good company. Never had any problem dealing with them. Most helpful.

Rob Scott

Incompetent and harrassing

18:28 01-12-2015

Imagevia Choose Wisely

This company send harrassing emails and texts the day before a payment is due to you and the guarantor letting you know that you are behind with payments, when in actual fact you have already paid the loan. They have done this twice now even though I have evidence of payment. I have now fallen out with the guarantor of my loan, we were friends for years but this has ruined our relationship. Think very carefully before you decide to go with these sharks or indeed any company offering a guarantor loan.

Rachel L

friendly service

10:56 02-07-2017

Imagevia Smart Money People

Would definately recommend to use again

Katherine Foster

Top marks

16:48 30-06-2017

Imagevia Smart Money People

Was amazing it was little slower as of the paper work but it stop you ruining you life and has someone backing you up



08:14 16-06-2017

Imagevia Smart Money People

Best loan in the world .. easy and fast

Enciu robert

Amazing service!!! Great staff!!!

05:29 29-05-2017

Imagevia Smart Money People

From start to finish my experience could not have been more straight forward, comfortable amd explained in excellent detail. Sorted out all information quickly amd proffesio ally at a time that suited me. Quick pay out. Couod not reccomend highly enough.


Easy and helpful

14:40 26-05-2017

Imagevia Smart Money People

Talk to you like humans and not just about profit

Lee beighton

excellent service, A*

08:23 26-05-2017

Imagevia Smart Money People

We really needed a loan quickly as everything that could go wrong, went wrong at the same time... 1plus1 loans were fantastic and quickly resolved our problems. We would recommend them to everyone that needs that quick fix and hassle free loan. Thank you.

philip ellis


01:04 26-05-2017

Imagevia Smart Money People

Great prices, great set up trust worthy with payments and able to pay back monthly.

Aleigh Houston

Our review of 1 Plus 1

Our review by Alex
Written by: Alex
Consumer sentiment


Based in Blackburn, 1plus1 have been active since Feb 2013.They pride themselves on service, reliability and speedy payout times. If you don't know what a guarantor loan is, have a read of our guide all about guarantor loans.

In regards to price, 1plus1 are competitive with other guarantor lenders in the market. Reviews from both consumers and the press are almost all positive – at the time of writing TrustPilot scored them 8.3 out of 10.

Guarantor loans can be a cost-effective option for those who have had poor credit in the past, but are now on a firmer financial footing. However, make sure you're 100% certain you can meet the repayments before making a commitment. If you're in any doubt at all, don't put the responsibility on to the shoulders of friends or family.

If you're considering becoming a guarantor for a 1plus1 loan, it pays to think carefully. If you do decide that you want to help someone out, there may be cheaper ways to do it including lending the money to them yourself or taking out a loan in joint names.

Our verdict: 1plus1 are consumer focused and have a competitive price point. If you're looking for a guarantor loan 1plus1 are an attractive offering. But beware, guarantor loans are a product with a caution sticker.


  • You don't need to have a good credit history
  • Existing customers can borrow up to £5,000
  • Quick application, money usually transferred within 24 hours
  • Competitive APR
  • Your guarantor can be a homeowner or a tenant

Minimum criteria

  • You must have a guarantor who is:
  • Between 18 and 75 years old when the loan completes
  • Able to make the repayments if you cant afford to
  • Has a good credit history


  • Maximum APR 47.8%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £15

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About 1 Plus 1

1plus1 are a guarantor lender (what's a guarantor lender?) that offers loans between £500 and £5,000 with repayment periods of one and five years. They base eligibility on credit worthiness, affordability and friends and family rather than credit ratings.

They aim to make the application process as pain-free as possible and have efficient payout times, with most customers having the money appear in their account the same day they apply.

They’re also easy to reach if you need to get in touch and have an online team available 24 hours a day, 7 days a week and a phone team available from 9am to 6pm, Monday to Friday for those of you who prefer speaking to someone directly.

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Product data last updated: 3:01pm 14/12/2017
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk