UK Credit

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Company Information

  • Company Name:
    UK Credit
  • Website Address:
  • Business address:
    St Crispin’s House, Duke Street, Norwich NR3 1PD
  • Phone number:
    01603 828 828

Founded in 2010, UK Credit (UKcredit.co.uk) is one of the UK’s top lenders of guarantor loans. The lender provides loans to a wide range of customers, including people with a bad credit rating who might not be able to find personal loans from other banks or lenders. UK Credit specializes in guarantor loans, which allow the borrower to have a family member or friend sign the loan agreement confirming that, should the borrower be unable to meet repayments, the guarantor will take legal responsibility for the loan. This allows Credit UK to take a chance on lending money to otherwise risky clients.

Credit UK’s guarantor loans are flexible, so you can choose that amount you want to borrow and the length of the repayment term. Loans are available from £1,000 to £7,500, and can be repaid over one to five years.

Credit UK offers two different types of loans- the Homeowner Guarantor Loan and Tenant Guarantor Loan. Those who have a guarantor who currently owns property can access a range of perks from Credit UK, including access to a higher borrowing amount and a more competitive interest rate. The Tenant Guarantor Loan gives customers who’s guarantor doesn’t currently own property the chance to take out a loan, but the amount available is capped at £3,000 and the interest rate is higher.

Customers can also make overpayments and early repayments on their guarantor loan from UK Credit at no extra cost, which can help shorten the overall term of the loan and the amount of interest accrued. The interest rate on the loan will vary depending on a range of factors, including your financial circumstances and the amount you need to borrow, and the rate is fixed for the entire term of the loan.

Customers looking to apply for a guarantor loan from UK Credit can do so online, selecting the amount of money they need to borrow and the amount of time they want to repay over. They can then fill in the online application form and UK Credit will get in touch within an hour to confirm or deny the application. Once all of the necessary paperwork is in and the guarantor has been contacted, the loan can be sent out on the same day.

40 Reviews of UK Credit have been submitted - read the latest 3 below

My friend got the call to say my guarantor loan has been approved and finalised subject to him still being in agreement with the terms and conditions of the loan. He pulled my leg a bit and told me he had had second thoughts and I nearly swore at him but I realised he was joking because he is a good mate and wouldn't do that to me. We are both very happy with my choice of UK Credit for this loan because they are charging me a really decent rate for this loan and the monthly repayments are not too bad at all, just in case my mate does have to step in which I have promised him sincerely that he won't have to do. I wouldn't want to risk my friendship over a loan so I am certain I won't be having any problems repaying this loan from UK Credit and if I ever need another guarantor loan I would definitely consider them again. Not sure about my mate though, we'll just have to wait and see about that.

Review posted by Keith Ammerdyke, Lowestoft

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My parents are the guarantors for this loan with UK Credit so I know I had better make the repayments on time or else there'll be hell to pay as my mum always says. I don't think I am going to have any problems repaying this loan because UK Credit have given me a really good rate for this loan amount and the monthly repayments are well within what I can easily afford to repay each month. My parents know that as well so mum really doesn't need to remind me that there'll be hell to pay but I am sure she will anyway!

Review posted by Jessie Barber, Woodford

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The only hold up with this guarantor loan from UK Credit was my guarantor pulling out of the deal at the last minute due to personal circumstances and then me having to find another person who would be willing to act as guarantor. Once I had found another guarantor we had to really start the whole process all over again just to avoid any confusion but once we had done all that and the loan was approved I made sure the paperwork was signed and returned within 24 hours so that I didn't have to wait any longer than necessary. Fortunately the money was transferred within hours of UK Credit confirming things with my guarantor and so I finally had my loan within a week of me first applying for it.

Review posted by Peter Sefton, Colchester

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