UK Credit

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Representative 29.9% APR

Will lend between: £5,000 - £20,000

Over: 36 - 84 Months

Representative example: Representative Example: If you borrow £5,000 over 36 months at a Representative rate of 29.9% APR and an annual interest rate of 26.45% (fixed) you would pay 84 monthly instalments of £202.65 The total charge for credit will be £2,295.40 and the total amount payable will be £7,295.40

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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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  • 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 29.9%
  • 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 £5,000 and £20,000 with repayment periods of one to five years. Their advertised representative APR is 29.9% 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 828828

48-52 Surrey Street, Norwich, Norfolk, NR31 3PA

FCA registration

Reference No: 721556

Trading names: UK Credit Limited, UK Credit Loans

Place of business: 25-27 Surrey Street, Norwich, Norfolk, England NR1 3NX

Data protection registration

Registration No: Z2022318

Data controller: UK Credit Limited

Address: 25-27 Surrey Street, Norwich, Norfolk, England NR1 3NX

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