Satsuma Loans Review 2018 [Read Our Experts Opinion]

Jane Wardle

Written by Jane Wardle on February 2, 2018

Updated February 26, 2018

Overall Rated: 5 / 5

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Operating under the umbrella company Provident Personal Credit Limited, Satsuma Loans is a well-established company within the financial aid industry. Offering small, short-term loans rather than long-term credit with same day bank transfers.

Satsuma Loans is operated by Provident Personal Credit Limited, a company that has been supplying financial aid since the 1800s. Priding themselves on offering help when no one else will, Satsuma Loans provides short-term loans with no hidden fees or additional charges. They operate the business nearly exactly the same as Provident did in the beginning, showing that they have an impressive heritage and quality level of service for their customers.


Trust & Reputation

Rated 5/5

Satsuma draws a considerable amount of its reputation from its umbrella company, and the trust and respect customers have had over the last 200 years is mirrored in the reviews written by customers daily. Provident Personal Credit Limited (PPCL) was known for helping families with vouchers, operating a ‘buy now, pay later’ scheme and while that has updated to loans in modern times, with no hidden fees, additional charges or application processing fees.

While PPCL donates a considerable amount of reputation to the company, Satsuma Loans has still made sure they are a well-respected company. Mirrored in the online reviews, customers regularly state they would recommend to anyone because of the simplicity of the application, the upfront cost display, excellent customer service and same day payouts.

Expertise & knowledge

Rated 5/5

The wealth of knowledge available to Satsuma via PPCL is impressive. However, the process of online applications and agreements is something that has only become popular in recent years, which Satsuma Loans have focused on to improve applications for their customers.

The company prides itself on helping those that others will not, so the staff regularly speak to and assist customers in a range of circumstances. Satsuma utilises efficient and time-saving online applications. However still have over 7,000 field agents that visit people all over the UK on a daily basis. Having staff that go out and visit customers gives the company further edge because they show a true commitment to customer care and compassion.

Customer Service

Rated 5/5

The quality level of customer service is something Satsuma loans has refined and perfected by having over 200 years of customer based experience. The different levels of service they can offer their customer really show their commitment to their customer experience.

Satsuma Loans have made sure that their website and application process are simple and easy, giving quality service before the customer has even spoken to an employee. The staff are readily available to talk whenever a customer needs help, offering a range of different ways to contact the company such as a live chat. The staff are well-trained to ensure they have a readily available solution.

As well as offering a quality online service, Satsuma Loans also has thousands of employees available to visit customers as and when needed. While the digital market is on the rise, Satsuma Loans is ensuring that they still offer not only personal face to face options but also make sure that they are looking after loyal, long-term customers. The diversity of having different ways to speak to an employee gives them the edge in comparison to other companies.

In the reviews on, customers regularly mention staff by name, something that represents the importance of personality to the company. In larger companies, it is likely that different team members will deal with different stages of a query or application, so having staff names mentioned shows they have given an excellent level of customer service and a focused advisor dedicated to the customer.

As one of the most established short-term loan companies and one that offers to customers with bad credit, Satsuma remains one of the most popular. Of their online reviews on, 82% are five-star ratings, while only 1% of customers gave one-star feedback. From over 2,000 reviews, this shows consistency from the company and a commitment to excellent customer service.

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