UK Credit

848 reviews

39.9% Representative

Will lend between: £1,000 - £10,000

Over: 12 - 60 Months

Representative example: If you borrow £4,500.00 over 36 months at a Representative rate of 39.9% APR and an annual interest rate of 34.05% (fixed), you would pay 48 monthly instalments of £201.15. The total charge for credit will be £2,741.40 and the total amount payable will be £7,241.40.
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About UK Credit

UK Credit are a direct guarantor lender, providing loans between £1,000 and £10,000 with repayment periods of one to five years. Their advertised representative APR is 39.9% however this can change depending on the amount you are looking to borrow, the loan term and your personal circumstances, for example if your guarantor is a tenant you'll more likely end up with a rate closer to 59.9%.

They don't charge any admin or setup fees, the interest rate you pay is fixed for the entire duration of the loan. You can also overpay to UK Credit at any time to reduce interest and shorten your loan repayment period.

As with most guarantor lenders, UK Credit don’t mind if you have bad credit history, so long as you have a guarantor with a good credit history to support your application. Both you and your guarantor will need to be able to prove that you can afford your monthly repayments though.

Applications to UK Credit are made on their website, and the process is managed by their in-house call centre. Once you have been accepted, most loans are paid out within 72 hours and will be transferred into your guarantor's account. You will have 24/7 access to your account online, and repayments can be made via Direct Debit or debit card.

Company information

Registration number: 6929807

www.ukcredit.co.uk

01603 896880

St. Crispins House, Duke Street, Norwich, NR3 1PD

FCA registration

Reference No: 721556

Trading names: UK Credit Limited, UK Credit Loans

Place of business: St. Crispins House, Duke Street, Norwich, NR3 1PD

Data protection registration

Registration No: Z2022318

Data controller: UK Credit Limited

Address: St. Crispins House, Duke Street, Norwich, NR3 1PD

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