Credit Plus Review [Read Our Expert Opinion]

Jane Wardle

Written by Jane Wardle on April 5, 2018

Updated April 5, 2018

credit plus logo

Overall Rated: 5 / 5


Creditplus provides a great service for customers looking for affordable and quick car finance solutions. The company offers a vehicle finance comparison service that is very easy to use, considering both used and new cars of different makes and models.  The representative APR starting from 25.32% is reasonable compared to other personal loans for financing a vehicle purchase. Those with better credit history can get even cheaper APRs.

With an ‘Excellent’ rating from most of the customers on, Creditplus is highly praised for its commitment to customer service. In addition, they actually reply to all the comments posted on their TrustPilot page. Many customers praise the service of advisors they have dealt with at Creditplus while searching for the best deal, along with valuable comparison to their competitors.

However, if you are late with repayments, this will not only affect your credit file, but you may also be obliged to pay extra fees, which can make things become very expensive. The company is regulated by the FCA and bears high credibility in the UK’s financial industry.  Overall, Creditplus commands a good reputation in the UK financial market for used and new car financing.


Trust & Reputation

Rated 5/5

Creditplus is a trusted name in car finance industry in the UK. The company has been providing car finance services and consultation for the last 14 years and believes in ethical lending. Crerditplus is one of the leading car credit providers that offers all the tools and information customers need to make an informed decision about their car finance application. Their services include 90 different lending options, dedicated advisors, free of cost car search and consultation from the company’s maintained database, an instant calculator and a credit history evaluator. The process is simple and hassle-free and manages applications faster than most.

Creditplus is a licensed credit broker rather than a lender, and is fully authorised and regulated by the Financial Conduct Authority. Creditplus Blog was” Highly Commended’ in two categories - Best Storyteller and Automotive - at UK Blog Awards 2016. The company has got hundreds of positive reviews on, where most customers rate the company as 5/5.

Expertise & knowledge

Rated 5/5

At Creditplus, each customer is given a personal advisor that will support them throughout their car purchasing journey. Using their Car Finance Calculator and 30 second Q&A, they will advise you on the best option for your needs, finding the perfect car and having it delivered to your doorstep through their Find, Fund and Deliver service.

Their no obligation quote for finance does not affect your credit score and can be completed in two minutes. A minimum loan is £4,000 and they have access to over 90 different lending options, including bad credit finance deals. Customers can also use the loan comparison service to find the best value deal.

With Creditplus, you can either look for finance once you've found your desired vehicle, or you can find the perfect vehicle through Creditplus's extensive network of car dealers, with more than 90 lending options. In addition, they offer a huge car database, instant calculator, credit history evaluator and guidelines and comparison of car deals help customers make the best decision in a short period of time.

Customer Service

Rated 4/5

Creditplus, founded in 2004, has facilitated more than £100 million worth of car loans, combining modern online technology with the more traditional processes of car finance. With a great reputation for customer service, a market leading website and a team of expert Customer Advisors, Creditplus is one of the leading car loan companies in the UK.

With their ‘Instant decision calculator’, credit checker and comparison service, Creditplus is a haven for customers who have no or little information about these complicated aspects of car financing. Their advisors also help customers find the best cars through fully maintained car database of the company, including all makes and models from mainstream dealers all across the UK. The wide lending range of £4,000 - £20,000 with starting APR 25.32% makes it an affordable option. Bad credit cases are also accepted.

Advisors can be approached easily via call, email or online application process. Overall, Creditplus is a really great option for anyone looking to fund a new vehicle. Their website is easy to use and information is easily accessible with a support line available for both mobile and landline phones. For those with good credit, the deals available are of really good value.