UK Credit
Find out if UK Credit is the lender for you: read some reviews, the pros & cons of their loans and more…
Find out if UK Credit is the lender for you: read some reviews, the pros & cons of their loans and more…
Unsecured Loan
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4.5/5 from 1,589 reviews on Trustpilot
UK Credit Representative: 26.9% APR (fixed)
Representative Example: £17,000 over 60 months, representative 26.9% APR fixed. Monthly payment £489.66 Annual interest rate 24.06% fixed. Interest payable £12,379.60. Total repayable £29,379.60. Minimum repayment period: 36 months. Maximum repayment period: 120 months. Maximum APR 34.9%
* Details are correct at the time of writing, subject to change without notice.
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. AllCreditLoans is a licensed credit broker and not a lender.
If approved, you could receive funds by 9:18 AM
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
All Credit Loans is a licensed credit broker and not a lender.
Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of 17 Months at £87.22 and final repayment of £87.70 The total amount repayable is £1570.44. Interest amounts to £570.44, an annual interest rate of 59.97%. Subject to affordability and your credit score.
Rates from 22.9% to 34.9%
Arrangement fee: £0
Early repayment fee: should not end up paying more than one month of interest in addition to the outstanding balance and any accrued interest.
Must be aged 21 up to 71 years at the end of the loan
Cannot currently (or in the last 12 months) be in an active IVA, DMP or Trust Deed, or Bankrupt in the last 3 years
Income: net annual income of at least £15,600 (take-home £1,300 pcm)
Must be a homeowner!
Borrowers do not need to have a good credit history
Loans of up to £20,000 are available
Rates are lower than many others.
UK Residency – All applicants must be UK Residents for at least 2 years
Age – You must be at least 21 and no more than 71 at the end of the loan
Insolvent – You need to be solvent – not in a DMP (debt management plan), IVA (Individual Voluntary Arrangement), Trust Deed (Scotland) the last 12 months, or Bankrupt in the lat 3 years.
Homeowner – you must be a homeowner (includes shared ownership or help to buy)
Employment – must have a net annual income of at least £15,600 (take-home £1,300 per month) from employed work or retirement funds (or certain benefits)
Homeowner – you must be a homeowner (but the loan is not secured on your home).
Larger loans – Loans less than £3,000 are not available.
Rates – Higher than ‘high street’ lenders but better than many ‘poor credit’ lenders.
No application fees
Competitive APR – At 29.9% the current Rep APR is lower than many lenders in the market.
No guarantor is required – but you need to be a homeowner.
Larger loans available – up to £20,00 depending on affordability and status.
Fast payout – payout approved loans within 24 hours.
UK Credit has over 10 years of experience in loans for those with a poor, or no credit history, who may struggle to get a loan via a obtain credit through the normal high-street lenders.
UK Credit now specialises in unsecured homeowner loans and is part of the Norfolk Capital Group.
The process of applying for a loan with UK Credit is quick & simple
They say “work as hard as we can to pay out loans as quickly as possible”
Time to get a loan depends on:
Absolutely not
Yes
Company Name: UK Credit Limited
Co Reg No: 06929807
Website: ukcredit.co.uk
Address: 25-27 Surrey Street, Norwich, Norfolk, England, NR1 3NX
FCA Ref No: 721556
Firm Name: UK Credit Limited
Principal Place of Business: Norfolk Tower, 48-52 Surrey Street, Norwich, Norfolk, NR1 3PAN, UNITED KINGDOM
Reg No: Z2022318
Data Controller: UK Credit Limited
Address: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX
Other Names: None
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. AllCreditLoans is a licensed credit broker and not a lender.
If approved, you could receive funds by 9:18 AM
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
All Credit Loans is a licensed credit broker and not a lender.