Next Credit

APR: 1254% Representative
Loan amount: £100 - £1,000
Repayment duration: 14 - 365 Days
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Next Credit customer reviews

4.6 out of 5 from 202 reviews

Best Customer Service

08:46 18-02-2016

Imagevia Choose Wisely

NextCredit has helped me in the past several times. Always fast, and courteous.



21:08 29-12-2017

Imagevia Smart Money People

Had 2 loans payed back on time. Been refused several times.

Hamo Yedgarian

Do not use - scammers

08:49 23-12-2015

Imagevia Choose Wisely

Took out a loan without doing any research into this company, I know big mistake. They hound you on the phone and make lies about paying and make it difficult for you so they get more interest out of you. Please do not use as there are many good ones out there.


Vary fast and helped me a great deal would definitely recommend

13:18 13-12-2017

Imagevia Smart Money People

Fast reliable and would definitely use again.

Richard Franks

I think they scam people...

13:20 01-10-2015

Imagevia Choose Wisely

Got a £100 loan out, prior to it being transferred however I had a lady call me to question me about it. They tried to take payment yesterday but work hadn't paid me yet (they had by 2pm). Called at 6pm for them to take payment, girl said it "declined" even though there was plenty of money in my account. I paid them directly via online banking at 6.20pm. Get a call the next day to say I am being charged £12 because according to them they didn't receive it until 10am the next day. Called my bank, said it left my account at 6.21pm the day before... so obvious issues on their end meant I had to pay? Called to say I will pay it, and when I receive the proof from my bank that the money was released the day before can I have a refund. Funnily enough my card worked that time... what a coincidence. The whole company is a hassle to deal with, very slow, unapologetic and quite frankly, likely scam people. Reading the comments above seem very similar. Definitely wouldst use again - stay clear!



18:01 12-12-2017

Imagevia Smart Money People

my cooker broke last week, and with it being christmas i didnt have enough funds to get a new 1, and i also have a ver bad credit rate, nexcredit accepted me straight away, no hassles no fuss and the money was in my bank within 15 mins of acceptance, recommended for everybody fantastic company

lesle beattie


11:25 20-02-2014

Imagevia Choose Wisely

Took out a £400 PDL feel into financial difficulty, pleaded for time and other options to pay they refused, were very rude and blunt 2months after due date loan balance stand at £1744 they really don't care be warned


Excellent and efficient

09:44 14-11-2017

Imagevia Smart Money People

Everyone was helpful kind and professional. The experience was pleasant and reassuring. Would highly recommend using them.

Sandra White


19:50 15-12-2013

Imagevia Choose Wisely

Applied for a loan, late on Thursday evening, subsequently advised that my loan is being processed


One of the worst....

14:14 13-11-2017

Imagevia Smart Money People

I would avoid using the company at all costs. Getting a loan from a dodgy council estate loan shark would be preferable to this crowd

David Fraser

Our review of Next Credit

Our review by Chris
Written by: Chris
Consumer sentiment


Nextcredit focus on providing an excellent experience, with customer service their priority. The company is based in Gloucestershire and they offer both short term loans and a car repair loan product. This review is based on their short term ‘Instalment Loan’ - their rate puts the product around the medium to high end of the market.

Nextcredit offers loans with a value of £100 to £1000, for between two weeks and a year. Their flat rate, which is charged per day, per £100 makes it easy to keep track of loan costs. The company offer free transfers, early repayment without paying extra interest and quick transfer of funds into your bank account after approval. If you are approved before 4PM on a weekday, the funds will be paid into your account on the same day.

The company has some excellent reviews, averaging 4.6/5 at the time of writing and they are quick to respond to complaints with helpful feedback. Nextcredit has a real focus on providing a quality experience, claiming to pay up within 15 minutes of a successful application. However, you should be aware that short term loans are an expensive way to borrow and should not be used if other options are available.


My Verdict: Nextcredit has a very good reputation for providing quality customer service for their short term Instalment Loan. Their transparent application process, flat rate and quick payment have made them a hit with customers. However, a short term loan is a high cost product and you should compare other options and check you are able to afford repayments before applying.


  • Fast payment with no transfer fee
  • No early repayment fee

Minimum criteria

  • You must have a minimum income of £500 per month
  • You must be a UK resident
  • You must be over 18 years of age


  • Maximum APR 1495.3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £12

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About Next Credit

Next Credit offer loans between 14 days and 12 months for loans amount ranging from £100 to £1,000. They advertise fast payment fees, 15 minutes after you have been approved and they don't charge any fees for this fast transfer.


This profile has been claimed
Provider last seen: 11:46am 31/5/2017
Product data last updated: 1:59pm 9/10/2017
Warning: Late repayment can cause you serious money problems. For help, go to