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TrustTwo Loans Review 2018 [Read Our Experts Opinion]

Jane Wardle

Written by Jane Wardle on January 18, 2018

Updated July 19, 2018

Overall Rated: 5.0 / 5

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TrustTwo have a simple concept. As part of Everyday Lending Limited, Trust Two offers ‘joined up borrowing’. Essentially, TrustTwo is a guarantor loan, where they trust two people (the borrower and their guarantor) to pay back the loan.

To make applying for a loan easy, TrustTwo use a simple online application system where both the borrower and guarantor can fill in their registration application to make the whole process stress free. Instead of bombarding you with calls, the online form can be done in your own time. TrustTwo only contacts the borrower and the guarantor once a loan has been agreed.

With extensive experience in guarantor loans, TrustTwo has refined their process and business model to make it easy for borrowers and guarantors. One of the significant benefits of TrustTwo is the fact they do not require the guarantor to be a homeowner. If the guarantor is a homeowner, borrowers may benefit from lower interest fees. However, TrustTwo still accepts guarantors who are tenants and who live with parents.

Another significant benefit for borrowers and guarantors is the fact that people can apply online in just a few moments, and receive their decision almost instantly. For ease, both guarantors can register themselves while borrowers can apply online quickly and efficiently. With this, both borrowers and guarantors do not have a complicated phone process or even have to be in the same location when applying.


Trust & Reputation

Rated 5.0/5

TrustTwo is part of the well-established lending company, Everyday Lending Ltd. Everyday Lending is well-known for being a leading unsecured loan provider. The fact that TrustTwo is a direct lender helps to secure that level of trust between the lender and the borrower.

To show industry best practice, TrustTwo are fully regulated by the Financial Conduct Authority. They also comply with the necessary regulations of the data protection register. Furthermore, with a range of customer reviews across a number of sites, this gives further credibility to the firm, helping to build vital trust and reputation for their customers.

Expertise & knowledge

Rated 5.0/5

TrustTwo is a direct lender and only offer a straightforward core product, guarantor loans. By just having one product, TrustTwo has built expertise in this sector of the industry. It is clear that have refined their products by a streamlined service that is easy to use for their customers.

Their flexible payment options also help to attract customers, showing a relatability and establishing trust. It is the relationship that customer service agents build with their customers, demonstrates their expertise in this area of the industry.

Customer Service

Rated 5.0/5

Based on reviews across a number of review websites, it is clear that customer service is a priority for TrustTwo. For example, on Smart Money People, TrustTwo, at the moment, have a 100% five-star rating, with customers commenting on the outstanding customer care. Customers also praise the flexible nature of TrustTwo, particularly with their weekly payment options and streamlined processes that make it easy for both the borrower and the guarantor.

On Choose Wisely, customers give TrustTwo an average review score of 4.5 out of 5. Again, customers comment on how easy the process is, particularly with the online application. Customers also compliment the staff, whom they feel are easy to talk to, friendly and helpful. TrustTwo uses Feefo to collect independent customer reviews. Based on 314 reviews in the past year, TrustTwo receives an excellent score of 4.6 out of 5. 239 people have given TrustTwo a five-star rating while only eight people have chosen a one-star score. Many of the reviews on Feefo state how straightforward the process is and compliments the excellent customer service thanks to the friendly and helpful staff.

The fact that borrowers do not feel pressure to sign up to TrustTwo is a testament to their business style, helping to instil trust with the people they do business with.

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