UK Credit Reviews [Read Our Experts Opinion]

Jane Wardle

Written by Jane Wardle on


Overall Rated: 5 / 5

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To help reduce interest rates and increase loan accessibility for more people, UK Credit offer guarantor loans. With a simple core value, UK Credit is a direct lender offering two types of guarantor loans for both homeowner and tenants. As homeownership has reduced, UK Credit provides a solution for borrowers who cannot find a guarantor that owns their own home.

With flexible repayment options, UK Credit is considered a fair and responsible lender. For homeowner guarantor loans, UK Credit offers loans of up to £10,000. For tenant guarantor loans, the lender provides loans of up to £6,000.

With an easy to use loan calculator on their website, UK Credit makes it easy for customers to assess their options and work out whether UK Credit is the right lender for them. As they are a direct lender, UK Credit has no hidden charges. Cutting out the middleman, also makes the application process quick and easy, so that borrowers can receive their loan as quickly as possible.

With just a three-step process, UK Credit makes it easy to apply for a guarantor loan. Customers simply have to fill in an online application form. An advisor will then call you and your guarantor to confirm you have both understood the loan and will be happy to answer any questions. Once sorted, the loan is deposited in the guarantor’s bank.

Trust & Reputation

Rated 5/5

UK Credit works hard to create trust within their core offering, in fact, they ever proudly display their ‘Treating Customers Fairly’ policy on their website. With a focus on responsible lending, thanks to their model on creating the right loan product based on the customer's circumstances. UK Credit also reduces their risk by lowering the borrowing limit and increasing the interest fee for guarantors who are tenants.

UK Credit also builds trust by being fully compliant with a range of industry-leading practices. For a start, UK Credit is fully regulated and authorised by the Financial Conduct Authority. Furthermore, they are also a member of the Finance and Leasing Association which means they comply with the requirements outlined in the FLA Lending Code.

Expertise & knowledge

Rated 5/5

With a focused core product offering, UK Credit shows their expertise as guarantor loan specialist. With their tagline as ‘a better way to borrow’, UK Credit has been a leader in guarantor loans. Starting the business in 2010, UK Credit saw the rise in popularity of guarantor loans and has worked hard to create a simple lending solution for their customers.

With a transparent application process as well as easy to contact helpful advisors, UK Credit makes sure that they make each loan product clear, with comfortable repayment solutions and no nasty surprises in the small print. As a direct lender, there are no hidden charges either.

UK Credit currently processes around £1 million in loan applications every single month, showing their expertise in the industry and a go-to loan provider for customers.

Customer Service

Rated 5/5

UK Credit promotes their core offering as easy, straightforward guarantor loans from a responsible lender. With this, they promise clear, simple advice that has no hidden fees or unfair terms and conditions. With advisors available as well as an online application service and loan calculator, they make their service easy to access. In independent reviews, UK Credit scores highly. Readies give UK Credit a recommendation of being an ‘A Rated Lender’ with a score of 4.5 out of 5. UK Credit also receives customer reviews through independent feedback site, Trustpilot.

Trustpilot considers UK Credit as an ‘excellent’ company. Out of 1,244 reviews, 96% of customers consider UK Credit as great or excellent. Just 1% have rated UK Credit as bad. Many customer comments mention the friendly and helpful service that UK Credit provide. Other compliments include the quick and efficient process and swift financial assistant that UK Credit provided.

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