UK Credit Loans

APR: 39.9% Representative
Loan amount: £1,000 - £10,000
Repayment duration: 12 - 60 Months
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UK Credit Loans customer reviews

4.7 out of 5 from 1208 reviews


11:43 17-10-2015

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if they have taken revenue from you and no loan was given for a large amount of £1300.00 you must pursue this. Action fraud investigates companies like this and even publish it on the BBC watchdog programme. Taking revenue off members of the public and not to deliver the service laid out is seen as an act of dishonesty and a criminal offence should never hand this over report them also to the financial ombudsman and the financial conduct authority they can be heavily prosecuted.



17:43 13-08-2013

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I had been applying for over a week and after sending all docs in I was told my gaurentor did not meet criteria, I got a new one and then I got called up I mentioned another company said about something called debt management so the call instantly said "we cannot process your application any further" why? Because they cannot lend to people who can't manage they're finances... Not that i implied I cannot look after them!! I just mentioned it then she made up that my new gaurentor wasn't good either. AVOID AVOID AVOID!!! Waste of time!!!!!!!!


very poor company

16:23 09-04-2013

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very poor company i have sent everything they have asked for plus my guarantors then sent extra stuff then they wanted more details i have sent them the whole of my life to them and they still wouldnt accept it. my wage slips i receive through email so they dont have my name on any more so they wouldnt accept them either, no one ever rang me back they never kept me up to date i was the one doing all the ringing, in the end went else where and got paid out same day, now im worrying though as they have everything how can i be sure it is all deleted, i wouldnt give them a score at all but wont let me continue without clicking stars. save time and go else where i would


what a load of rubbish

11:44 04-04-2013

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applied for a loan with uk credit they took ages getting back to me and then they declined me because my credit isnt good i thought that was the whole point of a guarantor ! complete waste of time !



01:05 21-03-2013

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I would urge everyone to avoid this company and use someone like Amigo instead. The whole process with this company was a complete joke. Time to respond, keeping me updated etc... I failed due to MY poor credit, not my guarantors. If I had good credit I wouldnt be using a company like this. Went to AMIGO loans and got sorted same day. My advice is AVOID this company and use Amigo or TFS. Far better communications and a quicker service.


Decent Online Lender

19:05 13-01-2013

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Applied online, and received my money same day. Not the cheapest loan, but i don't have the best credit and could not get £5,000 elsewhere. Simple online process, nice people to deal with (no menus or anything)...and same day funds. Would recommend.

Tom Samson

Got my loans the same day - excellent lender

17:03 17-10-2012

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Their online process was very easy to follow, I simply entered my details, my guarantor entered theirs, we both uploaded our supporting documents and UK Credit started to process my application. I was kept up to date on the progress of my application throughout and once the loan was approved I had the money the same day as I applied. Would recommend UK Credit to anyone!



10:44 28-11-2011

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They stated the email address (not a dedicated email address but seemed like a personal one [email protected])on their website for emailing all the docs to, but they said they never received my paperwork, then gave me the other person's email address. He said he would text me the progress but never happened. When I rang them back, he said they could not help me due to my poor credit rate. Do they understand why I had to go through guarantor loan? If my credit should be checked, that's obvious, I CANNOT GET A LOAN. Very stupid company, DON'T EVEN GO THERE.No rating whatsoever but I had to rate to leave the feedback so I ticked the lowest one though I did not want to.



21:19 15-09-2011

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they didnt give me a loan because my guarantor forgot a color of paper she signed!pathetic!!!!! everything take a long time to get answer on ur loan !!!! dont use them better is flm loans!!!!


i tayit not worth it

18:14 31-05-2011

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too much hassle and poor service

tomas strike

Our review of UK Credit Loans

Our review by Mark
Written by: Mark
Consumer sentiment



  • 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 69.9%
  • Arrangement fee: £0
  • Early repayment fee: £40
  • Late payment fee: £0

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About UK Credit Loans

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.

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