UK Credit

1027 reviews

39.9% Representative

Will lend between: £1,500 - £12,500

Over: 18 - 60 Months

Representative example: Borrow £4,000 over 3 years, representative 39.9% APR (fixed). Monthly payment £153.60. Annual interest rate 34.05% fixed. Interest payable £3,372.80. Total repayable £7,372.80.

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Are you eligible for UK Credit?

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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UK Credit customer reviews.

1027 reviews

4.7 out of 5 stars


  • UKCredit accept tenant guarantors
  • You can get a quote on their website without it affecting your credit history
  • Once your loan has been paid out, you can manage your account online.

Minimum criteria

  • If your guarantor is a tenant, the max you can apply for is £6000
  • Applications back by tenant guarantor are more expensive
  • You must have an email address so they can send the loan documents to you


  • Maximum APR 79.9%
  • Arrangement fee: £0
  • Early repayment fee: £40
  • Late payment fee: £0

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About UK Credit

UK Credit are a direct guarantor lender, providing loans for bad credit between £1,500 and £12,500 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.

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

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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