UK Credit

Find out if UK Credit is the lender for you: read some reviews, the pros & cons of their loans and more…

UK Credit

Unsecured Loan

Borrow: £3,000 to £20,000
Repay over: 36 to 60 months


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. Representative 49.9% APR

Representative Example: Borrow £3,250 over 36 months at a Representative Rate of 49.9% APR at an annual interest rate of 41.16% (fixed), you pay 36 instalments of £158.57. Total charge of credit is £2,464.57, total amount payable £5,714.67.

What does representative APR mean?

UK Online Reviews

4.5 out of 5 from 1,589 reviews on Trustpilot

See 10 recent reviews:

    • ⭐⭐⭐⭐⭐

      Thomas was very helpful

      Thomas was very helpful and explained everything clearly to me, I was told the money would be available immediately and it was, I can’t thank UK Credit enough for allowing me this loan.

      Tracy Munro
      Tracy Munro
      10th November 2022
    • ⭐⭐⭐⭐⭐

      Just amazing

      Just amazing! They don’t just give you money and off you go! They went truly all my expenses and spending. Advices were really helpful. So quick response as well! I am really happy with the full service.

      Sevtap rowlands
      Sevtap rowlands
      31st October 2022
    • ⭐⭐⭐⭐⭐

      Knowledgeable, sincere, helpful and thorough

      The underwriter, India Blackmore, was knowledgeable, sincere, helpful and thorough. Everything you would expect from the financial services industry.

      31st October 2022
    • ⭐⭐⭐⭐⭐

      Knowledgeable, sincere, helpful and thorough

      I can’t speak highly enough of this company. Clear explanations; timely and professional. Special thanks go to India Blackmore (Underwriter) who was so kind and patient. Nothing was too much trouble for her in helping me to complete my application. I can thoroughly recommend this establishment. SINCERE THANKS.

      Chris Griffiths
      Chris Griffiths
      13th October 2022
    • ⭐⭐⭐⭐⭐

      Fantastic service very polite

      Fantastic service very polite and helpful would definitely use again if needed as you never no just a really good and stress free experience

      Thomas Ettenfield
      Thomas Ettenfield
      24th October 2022
    • ⭐⭐⭐⭐⭐

      Fantastic service

      Fantastic, fast and efficient service. Thomas was my advisor and he couldn’t have been anymore helpful, professional or polite if he tried! He made what was a stressful situation actually not stressful at all. I can’t thank him enough. He was transparent from the start which is what you want/need in these situations. An absolute gent and a brilliant company to have dealt with. Highly recommend.

      30th September 2022
    • ⭐⭐⭐⭐⭐

      Friendly and knowledgeable

      The staff were all really friendly and knowledgeable. They went into a lot of detail before they gave a decision on a loan which shows they are responsible lenders. Would definitely recommend.

      Janet Southern
      Janet Southern
      7th October 2022
    • ⭐⭐⭐⭐⭐

      Fabulous people to deal with

      Fabulous people to deal with – so so helpful and more than happy to go the extra mile to guide and help you through the application and explain all the small details we all tend to skip- thank you so much

      Amanda Blundell
      Amanda Blundell
      30th September 2022
    • ⭐⭐⭐⭐⭐

      Very professional and understanding

      The staff are very professional and understanding. They make the process clear and concise so you fully understand the process and know exactly what you are doing. If you’re in doubt the make sure they explain every step of the process. Easy service to use.

      Jacqueline Holness
      Jacqueline Holness
      2nd September 2022
    • ⭐⭐⭐⭐⭐

      Thank you so much

      Thank you so much! The last 5 weeks has been a real stress sorting a loan that fell through last minute!
      I was passed to UK Credit & Daryl has been amazing. Very helpful, straightforward, not stressful at all. Less than 48 hours & I have received the loan. A huge weight has been lifted off my shoulders.
      Thank you very much Daryl for all your help! And thank you UK credit 👍

      10th August 2022

    Guarantor Loan Features


    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.

    Minimum Criteria

    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!

    Loan Highlights

    Borrowers do not need to have a good credit history

    Loans of up to £20,000 are available

    Rates are lower than many others.

    The Basics ✍️

    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)

    Con’s 👎

    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.

    Pro’s 👍

    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.

    About UK Credit

    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 🏃💨

    • Choose the amount that you want to borrow and time you want it to pay it back over.
    • Fill in the online application form.
    • You may be asked to send us some documentation for verification purposes (the quicker this happens, the faster the money gets paid out).
    • The funds are transferred.

    They say “work as hard as we can to pay out loans as quickly as possible” 🙋

    Time to get a loan depends on:

    • Speaking to you and your guarantor in good time.
    • Quickly receiving the requested information, such as proof of income, or proof of residency
    • If you applied during a bank holiday, a weekend or a particularly busy period.

    Absolutely not 👍

    • 1 Plus 1 do not charge upfront fees.
    • There is zero charge for using this website.

    Yes 🙂

    • To pay back the loan get in touch with UK Credit and they’ll calculate the settlement figure.
    • Paying the loan back early could dramatically cut the amount that you could repay in the long run.
    • If you settle the loan early an early settlement charge will be applied.

    Company Info

    Companies House Info

    Company Name: UK Credit Limited

    Co Reg No: 06929807


    Address: 25-27 Surrey Street, Norwich, Norfolk, England, NR1 3NX

    FCA Registration

    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

    Data Protection Info

    Reg No: Z2022318

    Data Controller: UK Credit Limited

    Address: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX

    Other Names: None

    Get Accepted for a Loan

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