APR: 1254% Representative
Loan amount: £100 - £1,000
Repayment duration: 14 - 365 Days
OPTIOSCORE 50.6/100 
Time to apply: 01m 30s
Next Credit customer reviews

4.6 out of 5 from 182 customer reviews

This profile has been claimed

Provider last seen: 10:46am 31/5/2017
Product data last updated: 9:53am 28/6/2017
Customer questions answered: 0
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Representative Example: If you borrow £340 over 97 months at a Representative rate of 1,254.0% APR and an annual interest rate of 292.00% (fixed), you would pay 97 monthly instalments of £178.11. The total charge for credit will be £194.36 and the total amount payable will be £534.36.

Next Credit customer reviews

4.6 out of 5 from 182 reviews

Best Customer Service

08:46 18-02-2016

via Choose Wisely

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


Not helpful

11:19 14-08-2017

via Smart Money People

Typical unhelpful service,don't bother

martin neal

Do not use - scammers

08:49 23-12-2015

via 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.


A second rate loan company - avoid at all costs! (make mistakes with your application and customer service department is rude)

14:05 01-08-2017

via Smart Money People

I took out a loan with this company three months ago and although it was all agreed at the time they still managed to make a mess of the due dates which meant I ended up paying more interest back on the loan despite the fact I had clearly mentioned on the application that I was paid on a specific date. The customer service operator was extremely unhelpful and rude and blamed me for the problem which really just rubbed salt into the wound. Fast forward three months later and after paying off the loan in full and I decided to give this company a chance to redeem themselves so applied for a further loan with no change in my personal circumstances and my credit rating increasing from the previous three months. I was declined as not meeting their criteria and when I spoke to a Customer Service representative on the phone after ringing them in the morning for an explanation (no one called me back and no one replied to my email as well) they were again extremely rude and said that was their criteria despite the fact I mentioned that nothing had changed. AVOID THIS COMPANY AT ALL COSTS THEY ARE UNPROFESSIONAL, RUDE AND THEIR CUSTOMER SERVICE DEPARTMENT PROVIDE NO SUPPORT WHEN I DID EVENTUALLY SPEAK TO THEM AFTER THEY NEVER CALLED ME BACK!!! THERE ARE MUCH BETTER COMPANIES OUT THERE THAT REWARD LOYALTY AND WILL BE MORE HELPFUL

Roberto Barbato

I think they scam people...

13:20 01-10-2015

via 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!


Speed loans

13:05 26-07-2017

via Smart Money People

Simple quick and convenient fast



11:25 20-02-2014

via 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


Quick and painless

12:58 30-06-2017

via Smart Money People

Great service I recommend this company

Wendy White


19:50 15-12-2013

via Choose Wisely

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


Very fast application

15:21 26-06-2017

via Smart Money People

I needed a quick loan today i applied around 1pm and all sorted a couple off hours later very impressed would definitely recommend nextcredit A***


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.


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Provider last seen: 10:46am 31/5/2017
Product data last updated: 9:53am 28/6/2017