Safety Net Credit

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Company Information

  • Company Name:
    Safety Net Credit
  • Website Address:
  • FCA IP:
    646762
  • Business address:
    Indigo Michael Ltd, 2 Minton Place, Victoria Road, Bicester, Oxfordshire, OX26 6QB
  • Phone number:
    0800 180 8400

SafetyNet Credit is a UK direct lender offering short term credit. Dedicated to responsible lending, SafetyNet Credit is powered by ClearAccount and is run by Indigo Michael Ltd. Those interested in a short term loan that features fair pricing, smart repayment schemes, and automatic deposits can work with SafetyNet Credit to manage and supplement their finances.

APPLICATION REQUIREMENTS:

If you’re interested in applying for a loan through SafetyNet Credit, you should be aware of the basic requirements that these loans entail. To take out a loan, you must be at least 18 years old. You also must be employed and receive a regular salary. A current bank account that has Internet banking features is also an additional requirement. As part of the credit check they run on potential borrowers, they will look into your credit history and past activity on your bank account.

LOAN AMOUNT AND CHARGES:

You can borrow up to £500 through SafetyNet Credit. The amount that you can borrow is determined by a variety of factors, including your income and credit history. When you take out a loan with them, you will have to pay a fee of 0.8 percent each day. This is the only fee that you will have to pay when borrowing through SafetyNet Credit.

PROCESS:

When you apply for a loan with them, you will need to submit your bank account sort code, account number, any details related to your debit card, and the Internet banking credentials that allow you to log in. With SafetyNet Credit, the entire application process is designed to be as simple as possible so that their clients can have an up-and-running account that is ready at their convenience.

PAYMENT:

When it comes to making payments on your SafetyNet Credit loan, you have two choices: you can have payments withdrawn from your account automatically, or your can make manual payments at your convenience. If a payment is automatically withdrawn from your account, your balance will always be left at least at £20 above your SafetyNet Level. This makes it so that they will not reduce your balance to such a low level that another Credit Installment is triggered.

77 Reviews of Safety Net Credit

Im a 19 year old boy who fell in love with a 24 year old girl, which I find to be beautiful.
Se is a lady already and managed to convince me in to moving in with her in to a small t0 flat in Birmingham.

She works fulltime and has a steady decent paying job, while I only work on weekends and every now and then, when im needed.

I feel guilty when its time to pay the bills and have no money to contribute. I then deciced to ask for a loan and I was really impressed.

The custumer support was great and the speed I got my money was unbelievable.

Thumbs up for SafetyNet Credit

Review posted by Tommy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I earn a decent salary but unfortunately this month I came across some unexpected bills and I was short of cash.

I decided to contact SafetyNet Credit because I found them on the Internet. I think a friend of mine work witht them a few months back.

Because I knew I was getting paid in 2-3 weeks, I had no problem paying them back, and I believe they knew it.
I got the money in my bank account in no time, and all ran smooth.

If I am ever in a tight struggle again, I know where to come.

All the best,
Pat

Review posted by Patrick McMahon

  • Customer Service
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  • Value For Money

This was my first time using a pay loan option from SafetyNet uk.
In my experance the process is relatively easy and with my credit rating due to an ex partner i thought it wasn't likely I would be getting an actual loan from anywhere.
However my loan took an extra few days to go threw but i was accepted.
I have seen and read other reviews of people getting money more faster than me but i was so happy to be getting my loan i was happy to wait.
Thanks for helping me SafetyNet i hope using your company will help me credit score in future.

Review posted by Mrs Nancy Egan

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  • Ease Of Use
  • Value For Money

I was desperate and thought why not just try as i needed money ASAP to come my kittens vet bills. I have read good reviews and bad reviews for most payday lenders i had a look into.
When i got accepted and the money went into my account at least 15 mins later that same day.
Anytime In future that i need to borrow any cash, i will turn to SafetyNet Credit for help now i have used them i find it is best thing I ever did for when I need unexpected cash!
There was absolutely nothing I didn't like about the service, and they have just increased my credit limit for future.
Thank you

Review posted by Miss Happy Anon

  • Customer Service
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  • Ease Of Use
  • Value For Money

Absolutely outstanding service i have received. I applied and got funds within the hour it was honestly really easy.
I will not have to worry about further overdraft fees and unexpected expenses as i used the funds i borrowed to pay them off and close these services. I could not have done this with out Safety net helps in lending me the funds.
Would really really recommend every one to use these guys rather then any other pay day loan companies as they are trustworthy and fair.

Very very happy customer with Safetly Net Thank you for a good service!

Review posted by Tom Cooper

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  • Ease Of Use
  • Value For Money

I am delighted with the service and help that my account with safetynet have given me when I really needed it.
During the application process i was a little concerned when they requested Internet Bank details but I trusted them (i had to) and am now so pleased that I did.
The process is so easy to follow and the money is always there when you need it.
The interest is so manageable and if im honest would be lower to help us customers more.
Having spoken to Customer Services mant time the find the staff to be polite and helpful and treat you as a valued customer.
I hope this review will persuade others to trust this company and consider it the only company you will come to for extra funds.

Review posted by Tobby Adams

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I'm sticking with Safety Net credit at the moment for my payday loans because I've been using payday loans quite a bit in the past couple of years and going to the same lender each time does make the process a lot quicker and simpler. Once you've had your first payday loan from Safety Net Credit your details are on file and they can process your next payday loan a lot quicker provided your circumstances haven't changed drastically. At the moment the only way my circumstances would change is if I got a nice fat pay rise but I can't see that happening any time soon so I'll be sticking with Safety Net Credit for a bit longer.

Review posted by Lawrence Todd, Gants Hill

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  • Ease Of Use
  • Value For Money

I found my experance with Safety Net Credit Uk to be really helpful and flexible.
The service they offer is fast and reliable, i have used them since 2012 with my clear account.
You can pay when you able to pay or pay the interest if you are having trouble making full repayments they offer solutions and options to help. Not like other lenders who would charge or penalized. I real liked it.
It's like a overdraft from your own bank and can set it up as a low deposit limit wich means when your account goes under the limit they provide you the money to keep it balance.
It is a great idea and has come in handy so many time over the years.

Review posted by James Gordon

  • Customer Service
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  • Ease Of Use
  • Value For Money

I don't use payday loans a lot unlike some of my friends but when I do I like to try and use the same loan company if I've been happy with the previous loan from them This all depends on whether or not they are still offering competitive rates and so far I haven't had to move on from Safety Net Credit. Since my last loan with them they have remained competitive enough for me to want to stay with them and so I am really pleased about that because it does make it so much easier to get a loan when you are in a hurry which for most of the time I am usually and so Safety Net Credit is a good call for me.

Review posted by James Dwyer, Rickmansworth

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  • Ease Of Use
  • Value For Money

Thank god I found out about Clear Account with SafetyNet UK.
It is great just knowing that you have got something to fall back on when times get difficult.
It's extremely easy to use and the interest rates are very low compared to a bunch of other payday lenders.
You are able to borrow how much you need with in you agreed limit. It could be a small amount such as £25 or it could be you full available balance of £500.
But what ever you chose you know how much interest you'll be charged, it's simple.
And with a new capped interest it will never be more than £166 this is great to know even if things get bad this is the most i would ever repay if i took out the full amount available to me.
I love the fact that when it gets to the end of the month and I just need a small amount to tie me over till payday Clear Account is there and i can apply for the money.

Review posted by Karen Evans

  • Customer Service
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  • Ease Of Use
  • Value For Money

I have never used a payday loan facility before now but I must say I am pleasantly surprised at how easy this first payday loan application has gone for me. I thought it might involve quite a bit of credit checking and that it would take days as opposed to the couple of hours that it actually did take to get this loan approved. I can't say for sure if I'll be needing another payday loan but if I do need one I think I will probably play safe and go with Safety Net Credit again. They charge reasonable rates and the process is so quick and easy that I don't think I need anything else from a good payday loan.

Review posted by Rosamund Fletcher, Sidcup

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  • Ease Of Use
  • Value For Money

I`ve never came across a service that takes on a whole New meaning to online banking.
The service was very quick and easy to set up even for me, and i am not so great with modern technology.
The detail in the home page is fantastic in reviewing your spending trend and it offers also a safety net if things get tough during the month. This is a wait of my shoulders, and i like this option. I feel as a company they are attentive to customer needs and changes in circumstances.

I hope my relationship with my clear account continues for a long time to come. i will be raving about this service to friends and colleges. Thanks again CLEAR ACCOUNT you have helped me in more ways than you know.

Iris , Livingston

Review posted by Iris

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  • Ease Of Use
  • Value For Money

I have found Clear Account at every step to be very professional and swift. I find them to be helpful and affordable.
In terms of interest, they are far cheaper than most Payday lenders but as all customer who use this service we all want lower rates. please!

My credit rating is fairly poor, yet I have had no issues upon request and using Safetynet as my creditor. Even after having my loan with them for a few months, they have had no problem increasing my credit limit.

I have come to consider ClearAccount as an alternative to a bank account overdraft, and I'm so thankful that I applied with them rather than any other pay day lender.

Review posted by From Jon

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  • Ease Of Use
  • Value For Money

I would like to say a thank you first off for the reliable service this company has provided to me, It is a change to see a company looking to help customers for a change, especial in this day and age.
I have used many payday lenders before and they were not so greatl but the clear account has been the best thing ever. They dont take what you cannot afford and the interest is low compared to others they are fast an efficient way of borrowing and very outstanding customer service, thank you.
I would definitely recommend to others to choose clear account rather than other pay day options. I was very shocked at how quick there responded to my emails when and if i had a query and they were always very clear in there reply.

Review posted by Melony

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My service with Safety Net has been average and as i expected. There online service is easy to use, and easy to apply to borrow funds, the process its self takes no time at all.
They offer more or less the same rates as other company's that offer similar services. Everything i was advised online and threw email was done as promised and i had no need to use another company. The service was easy and no unexpected glitches or extra costs along the way. I would recommend to use if you are looking to borrow funds fast from a reliable company that done what it promises.

Review posted by John Frances

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

I have been a Clear Account customer for some time now and this has helped me from unexpected bills to running out of nappies and running to tesco 24 hours to stock up.
I know you have to pay back on the borrowing but it is a good rate and I have always had excellent customer service when calling up.
Even by email it is a good service and happy i have never had a problem. Would certainly recommend it to anyone. Can't think of anything I don't like about this company, i find that it suits me to have this available.

Review posted by Lee Mason

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  • Ease Of Use
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Before i even considered using Safety Net Credit company i looked into at least 2 other providers first.
When looking into borrow this way i have heard so many horror story's form Apr rate, hidden charges and even set up charges so i wasn't going to fall victim to any of these.
I was going to be very careful when borrowing, but because i did not want to be in more financial trouble but i did need the funds ASAP to help me out of financial trouble.
This was my only option, to get a PDL (pay day loan)
I was attracted to Safety Net at first with there honest website and easy to was to see all your options and contact details on front page.
Most pay day lender you have to search for a phone number.
When speaking to Safety Net's customer care team i felt relaxed about the whole process of asking to borrow money.
Also it turns out the capped APR is correct and this is another thing online that catched my eye.

There is many options available to i feel call them up is there best option. They do offer many different services i have not seen with any other provider.

Review posted by Martin Innis

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My Service with My Clear Account is simple, here is the good and the bad in my opinion.

Good.
The sign up process is easy and i found the idea to be great.
Easy application and decisions was fast.
Email confirmation is always good for my own record.

Bad.
The problem comes when you try and get money deposited to your bank account. To be told that there are delays due to RBS problems.
It took 4 days to get the money i found this to be pointless if money cant be transferred quickly to avoid costs.
This whole loan/ borrowing option is designed to be fast. I find could be faster!

Review posted by Robert Crail

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I was looking forward to spend my weekend in the local pub with the boys. Watching fitbaw , old firm game and drinking beer eating ,eat sum grubby food and not caring about the girlfriend back home. Just a weekend of the ladys, No women !

Thursday night ended up as a wild one , i ended up in Glasgow casino till 6am, broke !
I did no want to be in , waste ma weekend i applied online for some cash.
Thanks to google i found my safety net who let me borrow £250 quid for my weekend.
No questions asked and money was with my a sap.

Review posted by Alex smith

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Running low half way threw the month happens to us all, right? i always end up borrowing £20 or £10 here and there from my big bro or my mam.
This as great as it helps, is not always enough and when my bar got a flat i could not ask my mam to borrow £180 to cover the costs.

I tried to apply with Safety Net online but was put off when they asked for my personal banking details, this freaked me out.
So to make sure this was real and to why they needed this information i called them up to find out. There process is a little different than i expected but the service they offer is worth these extra checks.
Glad i did , thank you Safety Net you helped me fix my little car, would be lost with out her.

Review posted by Harriet

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I applied for £200 with Safety Net Uk to be transferred to my bank account ASAP once approved. I expressed to the adviser dealing with me i needed the funds the same day to cover a DD as i didnt want to miss this payment. To then end up with bank charges and maybe even late payment charges on the DD end also.
So i stressed this massively over the telephone again and again.
I was told this would be 2 hours and after still nothing i called back to then haven been told its a technical problem which is preventing them from transferring any funds could be another 2 hours.

Was impressed at first with this company, but now im not so sure as i am still waiting for the funds to clear into my bank account. I contacted my bank who have agreed to pay my direct debit in principal as they can see the funds waiting to clear into my bank. Thank god!

Review posted by RangersGirl09

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This company was a lifesaver as I just needed that little bit of extra cash, but at first if im honest i was a bit skeptical about giving over my online banking details.
When i was accepted and received the money i was glad i did.
I found the service to be efficient and quick and have had no problems after i got threw the initial worry of given over personal details.
Customer service is always excellent and the interest was not that extreme when paying it back. So will definitely use again in the future and glad they give you online account details.

Review posted by Mrs Jeanette Smith

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This one aint too bad like, borrowed a £300 loan when i ran out of money. got it in my account straight away and then i paid it back later. then took another loan and paid that too. It goes in your bank automatically, and it comes back out like that too so you don't need to think about it really.

My mrs used them too and they seem easier to use than Wonga, as they don't hassle you or nothing on the phone. I think they all cost about the same anyway.... i would recommend this company if you're a bit short of funds

Review posted by Jason Black

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I have used the clear account a number of times over the last 12 months or more.
thanks for always helping and being there when no one else is, money wise.
The set up is easy to follow and understand for anyone to complete. Log in online once a customer is easy also and manage your own lending threw your own account.
I had had a couple of times i could not make full payments and they are happy to accept just the interest rate as a one of that month to help me out.
Glad as they have always helped me, never said no.
Lovely company, truly lovely

Review posted by Poppy Morgan

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  • Ease Of Use
  • Value For Money

Thanks for accepting me and setting me up with a clear account.
I done this threw safetynetcredit.com and was easy to do, try it to see for your self.
In my option it has been the easiest way i have ever borrowed money and i was safe to do , everything is now easier to do online, but i was even more so impressed with this service than others.
I have used this service to borrow £100 over 4 days only only paid £6 interest and i have used it to borrow £385 over 3 weeks and paid it back in full. It is very reliable way of lending and flexible to your own individual needs.

Review posted by Betty Small

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  • Ease Of Use
  • Value For Money

I have never needed a short term loan before and simply didn't have a clue what to do. It was so easy I really don't know what I was worried about.

I found Safety Net Credit and read a few reviews of their services which were mainly very good. I applied online and the phone rang almost straight away with a nice lady called Jenny wanting to confirm a few details. I spoke with her for a few minutes and she told me that I would receive the funds within the hour. Being quite old school I thought she must be wrong and it would take a few days, well how times have changed, I did in fact receive the money in about 25 minutes!

I would recommend Safety Net Credit to anybody looking for a hassle free short term loan.

Review posted by Brian Young

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I would tell others to use this company as they helped me when I needed some money. I got a divorce and I had to move house which I hated as it cost me a lot of money which wasn't really fair on me as it was him who cheated. I found it really hard to pay my bills when I first moved house as my ex used to deal with all of that stuff. I got behind on a few bills and didn't know what to do. I called this company and they lent me £400 which really got me out of trouble. I would tell others to use them if you need money quickly as it came within a few hours as they said it would.

Review posted by Theresa P

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With so many loan companies around these days i wanted one that's simple and easy to use and one where i didn't have to phone every time i wanted to pay a little bit off here and there. With Safetynet borrow and within 30 mins its in my bank. The process is so simple and easy i just login withdraw if i need or payback and the amount and its done, no hassle and easy and if i owe anything on my pay day ot comes out automatically.

As with all loan companies we get charged so only borrow what you need otherwise the service is good

Review posted by Darren

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I would not recommend this company, they took money from my account without my knowledge,, this money was put away for bills, food and car insurance, now I cant afford to pay my bills. doing this to their so called valued customers goes to show that they do not care about their customers and very much doubt they will do anything about this regarding my complaint as they never seem to reply to emails or phone calls.
they are an absolute disgrace and should be ashamed. I am considering taking this further should they not respond to my complaint which I emailed and wrote to them my post.

Review posted by claire

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I'm no expert on payday loans because I don't use them very often but when I do take out a payday loan I always go with Safety Net Credit because I like the system they use for taking payments and I can keep an eye on things and manage the loan easily with my online banking facility. That way I never have any nasty surprises with missed repayments or Safety Net Credit taking too much from my bank account. I think it really is the safest way to borrow from a payday lender and I will stick with Safety Net Credit for the time being.

Review posted by Cass Lewis, Basildon

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  • Value For Money

Cant say I have any problems with Safety Net Credit so far so good. I used other payday lenders in the past and had some problems but Safety Net Credit are different and they help you to manage your loan better and avoid missing payments that can really mess you up and end up costing you much more. If you use payday loans a lot like me then you need some one like Safety Net Credit who will help you to pay back the loan with the minimum of trouble and cost. I have told some of my friends about Safety Net Credit because they use payday loans as much as me and they often get stung with late payment fees which wouldn't happen if they went with Safety Net Credit.

Review posted by Mikey Brownlow, Depford

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  • Value For Money

Let's be honest, no one wants to use lenders like Safety Net. We all just want to be able to stroll into our own banks and ask for an overdraft or a small personal loan whenever we find ourselves short of cash.

The reality is my bank would probably laugh me right out of the bank again and so that's why I use lenders like Safety Net. But Safety Net don't pretend to be anything other than a loan company for people who need to borrow money but who are considered unsuitable by their own bank and other regular lenders.

I believe in calling a spade a spade and that is why I don't pretend that Safety Net are the best loan company in the world but so far they have worked out well for me and that is why I will continue to use their services until my personal circumstances change and my finances improve.

Review posted by Dean L., Deptford

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I would recommend Safety Net Credit if you need a loan quickly and can also payback quickly. For each day you pay another 0.8% interest. I took out £400 to purchase a tablet that I needed for work and personal use, but I knew I would be getting money in two weeks and pay it off as soon as that happened. I wouldn't even advise if you need 40 days but for a quick and simple loan that you can re-pay almost immediately it's a good option. It was straightforward, nothing hidden about it, and what you see is what you get (they will inform you of the exact interest etc.).

Review posted by Tim

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I did the online stuff and applied for my loan with Safety Net but i really thought they were going to say no mate we aint lending you diddly squat because my bank account would show up all sorts of things that wouldnt look good. but then i thought they must be used to that sort of stuff cos all my mates get loans from payday lenders like them and they are as bad if not worse than me. i got my loan phew! and i will be a good boy and pay it back on time so that i can use Safety Net again.

Review posted by Jack the Lad, Kidbrooke

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  • Ease Of Use
  • Value For Money

Safety Net Credit has an awesome feature where you can set up top-ups and you'll never get charged overdraft by your bank. I decided to test it out and sure enough, leading up to my pay day my bank account suffered... Safety Net came through and I was really glad to have the money to get by on until my paycheque... groceries, gas, transportation and the essentials.
I also just plain hate paying fees to banks for that kind of thing. You set up your own amount that will automatically set a loan into place and deposit it into your bank account. It's a nice feature, and it was the first time I've seen anything like it. Thank you technology!

Review posted by Emma

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  • Ease Of Use
  • Value For Money

Safety Net have given me a loan before and i didn't have any problems paying it back so thats why i came back to them for this one. i worry a lot about stuff but knowing that i dont have to worry about paying back this loan is a good thing. I am booking my flight to go to Spain for a hen weekend and thats why i needed the money but i hate flying and none of my friends are and they will be laughing at me until i have a few drinks and relax on the plane. then i will be worrying about how i look in my bikini but once i have a few more drinks i wont be bothered how i look. thank you Safety Net for this loan i am going to have a great hen weekend when i stop worrying and start partying!

Review posted by Roxanne, Coventry

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  • Value For Money

I heard it's a really bad idea to pay off debt and create more debt, but this way it worked out for me. I went on a shopping spree bender, and ended up with a credit card bill that was shameful. Two days before my payment was due, I decided if I took out the loan I could buy myself a little more time and sell some old clothes and bags to make enough for the payback. The interest was going to be affordable as I'd be paying it off in less than a month. I had no problems whatsoever with Safety net and only needed to use the website, turned out to be a good decision.

Review posted by Lisa C.

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My 17 year-old had been talking about her graduation trip for months but when it came time, we were in a bit of a rough patch financially. I could not break her heart and tell her she could not go. I spoke honestly about it with her, and we went online to check out loans. She promised me if I gave her the money for the trip she would work 2 more shifts per week at the family restaurant and contribute her wages/tips until college started.

We ended up finding Safetynet online and it looked painless (and proved to be). She was very happy and I think it taught her that loans are not necessarily bad if you can responsible plan for them.

Review posted by Gillian Mac

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I received £100 loan to borrow but I wouldn't even let me withdraw any and says I owe the £100???!!!! Does anyone have a email adress or a contact number for customer service? I am not happy with this, after reading reviews first I thought I could trust this??! Obviously not! Why do people like scamming others it's just low! I need a contact number asap or a way of getting In touch with these people! I would not trust this site as far as I could throw it! Must be fake reviews! Contact details!!! Or if someone from the company actually reads the reviews can you please contact me asap

Review posted by Jessica

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I do the rounds with payday loan companies. I use a different one each time just so that I can build up a clearer picture of which lender works best for me. If I don't like how the last loan went I don't use them again. So lets see how this loan from Safety Net goes. I've set up the account with them and they have all my bank details. My loan is being repaid by DD so technically I shouldn't have to worry about anything once I have the money in my account. If there is a problem it shouldn't be my fault and so I don't expect to be incurring any extra charges. If this loan goes well I might break the habit and actually use them again next time around.

Review posted by Dean, Fulham

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I'm not sure I would describe any payday loan as a safety net because it can work against you if you miss the repayments and then you end with more money problems. But this loan from Safety Net Credit is fairly straightforward and idiot proof so there shouldn't be any problems for me. I have opted to make the repayment by DD to ensure I don't miss the repayment date and land myself with further charges. I have done that with previous loans and there is really no excuse for that now with the way payday lenders set up your account with them. Getting a fairly decent rate and automatic repayments is the best way to approach taking out a payday loan and thats what I think I have done with this loan from Safety Net Credit.

Review posted by Claudia, Islington, London

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I'm not sure if I would use Safety Net Credit again because even though it was a fairly straightforward application I got a bit confused about how the automatic payments system worked and so I opted to make the repayments manually which ended up being a bad decision because now I am constantly worrying that I will miss the payment date. I am busy on the road a lot with my job and sometimes I dont get to leave my car for nearly 24 hours if I am making a long distance delivery. My girlfriend says not to panic and that she'll remind me in plenty of time, but with other payday loans I've not had that problem I usually just have a one off payment come straight out of my bank account at the end of the month. Safety Net Credit might be great for some borrowers but I am still not sure if they are the right ones for me.

Review posted by L. Morrison

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  • Ease Of Use
  • Value For Money

Because I use payday loans quite a lot I have now got myself set up with Safety Net Credit and it makes things so much easier for me each time I make an application. Once I gave SafetyNet Credit all my details the first time round they were able to set up an account for me so that I don't have to keep filling in all my details each time I need another loan. It works out really well for me and I have never had any problems making the repayments with SafetyNet Credit so I think I will just stick with them.

Review posted by Andy, Walthamstow

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  • Flexibility
  • Ease Of Use
  • Value For Money

My best friend told me about SafetyNet Credit after I mentioned I was looking for a good payday lender. She says she uses them all the time and hasn't had any problems and so I thought I would give them a try.

I am really pleased with the outcome and the loan I got was very reasonable compared to some of the payday loans I had already looked at. SafetyNet Credit has all my details now so if I need to get another payday loan from them the process will be a lot quicker so thats another good reason for using SafetyNet Credit because I usually need my loans is a real hurry and anything that saves time and gets the money to me quicker is great.

Review posted by Laurie Goodwin, Hounslow

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  • Ease Of Use
  • Value For Money

When you apply for your first ever payday loan be prepared to be put under the microscope, so don't waste your time if you are always going overdrawn in your bank account without an overdraft facility and don't waste your time if you have lots of credit card debts or finance agreements with other lenders.

If you can pass all that then hey presto you might be able to get a payday loan from someone like Safety Net Credit. I've been lucky so far with the last 3 payday loans I've had from Safety Net Credit but I am wondering when my luck is going to run out. I really hope it is not any time soon because payday loans can be such a help when you are running low on cash and your salary isn't due for another week or so!.

Review posted by Rory Anderson, Ilford

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  • Flexibility
  • Ease Of Use
  • Value For Money

I've just got my first ever loan with Safety Net Credit sorted and it will be easier for me to get another loan from them in the future apparently because now that they have all my relevant details I won't have to keep submitting it each time I make a repayment or try to take out another loan. I thought this loan might be a one off because I have never used a payday loan before but if it all goes ok I do think I might use them again and if it's easier to go to Safety Net Credit again then I probably will. I don't think it will be any time soon because it isn't cheap getting loans this way and I would only ever use them in an emergency.

Review posted by Sinead Murray, Leigh-on-Sea

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  • Flexibility
  • Ease Of Use
  • Value For Money

I don't know about needing an up and running account with SafetyNet Credit because I am not sure I will be using payday loans on a regular basis. However, I did like how simple and straightforward SafetyNet make it for you to apply for one of their loans. I will be repaying my loan with a 'one off' repayment which I plan to do the day my salary gets paid into my account, but I suppose if I was going to borrow more and be making more than one payment I would opt to have them taken automatically to avoid being late or missing a payment altogether. As a first time experience of a payday loan, SafetyNet Credit have impressed me with their speed and efficient service so on that basis I would probably use them again if I find I need another payday loan.

Review posted by Susan Manning, Dartford

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  • Flexibility
  • Ease Of Use
  • Value For Money

I might use Safety Net Credit again but as I like to swop them around and try out a different lender each time I need a payday loan it might be a while. So for now I would like to say that they weren't too bad when it came to getting your money to you quickly which is usually the most important thing for me. They don't charge too much in interest rates either and are one of the cheapest I have used so far. If someone asked me to recommend a payday loan I would definitely tell them about Safety Net Credit because they deserve a mention.

Review posted by Joe Chapman, Chigwell

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  • Flexibility
  • Ease Of Use
  • Value For Money

My girlfriend uses Safety Net Credit so that's why I went with them for this payday loan. I haven't taken out a payday loan before so I wasn't sure what to epect or what I should be looking for in a good payday loan. My girlfriend is an expert as she uses payday loans all the time. Currently she is using Safety Net Credit for a loan to get the money to pay for a weekend spa hotel trip with her mates. So I decided to get a loan myself and go away with the lads to do a bit of fishing. My girlfriend hates it when I come back smelling of fish especially when I haven't caught anything she would consider eating. If it doesn't come coated in batter and served with chips she's not interested. So while the cat's away!

Review posted by Lee Vaughan, Rochester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Safety Net Credit gave me a payday loan a while ago. It was easy for me to take out, and they sorted everything out for me. Something that had worried me before about loans was forgetting to make repayments, and then getting loads of extra charges. With Safety Net Credit, this wasn't something I had to worry about, as they just did everything automatically, including paying the money back – it just came straight out of my account on the same day that my wages got paid in. If you are forgetful like me, this can be a huge help – definitely made it simple for me.

Review posted by Roanna Toffle

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  • Flexibility
  • Ease Of Use
  • Value For Money

I asked SafetyNet Credit for a short term loan a few weeks back so that I could attend a wedding in Europe. I did not have the ready cash available so having read their terms and conditions, felt I might just qualify. I applied on line and knowing that they have to check me out, was prepared to wait for a response.

The application process was fairly straight forward and I supplied all the information they needed. I decided to let them take from my current account so I did not have to worry about repayments. Well it all worked out pretty good. They granted me the loan I needed and I had the money after waiting a week, so that was not bad at all. Pretty smooth outfit SafetyNet Credit.

Review posted by Gillian Freed

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  • Flexibility
  • Ease Of Use
  • Value For Money

I was after a short term loan to cover some unexpected expenses that showed up. When I researched the lenders on line via the Readies website, I struck gold having applied to SafetyNet Credit who are an unsecured loan company. What an excellent company to do business with. They were very efficient and although I did have to supply a lot of information, it was worth it.

My online application went through fairly quickly and they let me know that they were considering me and I would hear back from them within a few days. They came back with an offer of an unsecured short term loan which I was quite happy with and accepted. The terms were doable and I knew I could pay the loan off pretty quickly. A good outfit to work with.

Review posted by Tom Seedum

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  • Flexibility
  • Ease Of Use
  • Value For Money

Safety Net Credit is not like the other payday lenders I have used in the past. They are the best type of lender if you are going to be relying on regular payday loans instead of the one off type of payday loan that most people take out. Safety Net Credit help you to borrow regular sums of money but make sure you manage them properly and don't get yourself in trouble with missed or late repayments which can lead to more money problems.

I have been using Safety Net Credit for the past 18 months or so and they have really helped me a lot and so far I haven't had any trouble making the repayments which means I am keeping the cost of each loan to a minimum. So long as I can keep doing that then I will keep using Safety Net Credit. I have already recommended them to a friend who uses payday loans a lot.

Review posted by Steve Wendlow, Harpenden

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  • Flexibility
  • Ease Of Use
  • Value For Money

If you use a payday loan facility regularly you should try Safety Net Credit. Once you have set up an account with them it makes it so much easier each time you need another loan. It saves you having to go through all your details each time. Safety Net Credit just keep your details on file and can access them at the click of a button and process each new loan within minutes. Because I use payday loans several times throughout the year I find that using Safety Net Credit has saved me so much time and effort and taken all the hassle out of getting a payday loan in a hurry. I'll definite keep using them and would recommend them to friends and family who might be looking for a similar type of payday loan.

Review posted by Chris Abbot, Lewisham

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  • Ease Of Use
  • Value For Money

My 4 year anniversary was coming up with my girlfriend and I really wanted to buy her something special for it. But at the same time my fridge broke. So I obviously had to replace it with a new one, which left me no money for the nice present I had in mind for my girlfriend. I have a steady job with pretty good income, but with all the bills to pay plus my new fridge, there wasn't quite enough money for the present. That's when I looked into short term loans. I had never used them before but it seemed that I was going to need a loan. So I found Safety Net Credit and applied online. The service provided was excellent and they lent me the money no problem. It was overall a good experience and I was able to get my girlfriend the present she deserves. The money was transferred straight to my account.
Thanks Safety Net Credit for your help!

Review posted by Gaz

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  • Ease Of Use
  • Value For Money

I needed to pay a deposit on this new apartment I was planning on moving in to, but the money I received in a single pay cheque wasn't quite enough to cover it, and I had failed to plan ahead and keep some money back from the previous month. I didn't want to lose the particular apartment I had found (it was a really nice one and a good price too) so needed to come up with the cash fast. Getting a payday loan from Safety Net Credit worked great for me, and I was able to log in to my account on their website regularly to see what I owed them and when I needed to pay it.

Review posted by Carly Peening

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  • Ease Of Use
  • Value For Money

It was so easy. I never believed taking out a payday loan would really be this easy. There were so many different companies to choose from, and I didn't really know the difference between them or which one I should choose. Safety Net Credit had a nice website and it all looked pretty safe and secure - I didn't want to be giving my personal details to just any old company, but they had a privacy policy and a secure login setup. They also had some details on their homepage of what their customers had to say about their service, and it was all good things. I am very satisfied with my payday loan and loved that I could even download an app on to my phone to keep track of things.

Review posted by Trudie Nicholson

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  • Ease Of Use
  • Value For Money

I persevered with this loan application but to be honest I found it a bit too confusing. It's not like the other payday loans I have taken out and even though I have got my loan money I don't think I will use SafetyNet Credit again. I don't want too much from a payday loan and the idea of having an up and running account makes it all seem to easy to just keep borrowing sums of money when you don't really need to. I would seriously worry that I would get myself into a really bad habit and I do know a friend of mine has become hooked on payday loans and is constantly paying off one before taking out another. I wouldn't be surprised if they were with SafetyNet Credit. Sorry guys, but after this loan I don't think I'll be using you again.

Review posted by Daisy Foster

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  • Flexibility
  • Ease Of Use
  • Value For Money

If you use payday loans a lot then SafetyNet Credit is definitely the best lender to use in my opinion. You will be saving yourself a lot of time and effort once you have signed up with them and got your account up and running. At first I wasn't sure if it would work for me because I am not big on internet banking but I have opted for the repayments to be made automatically and I make sure those repayments are made the same day my salary is paid into my bank so that I never risk a payment being declined. So far this has worked for me and unless that changes I will probably stick with SafetyNet Credit for now.

Review posted by Danny Ford, Sydenham

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  • Ease Of Use
  • Value For Money

Getting a loan with Safety Net Credit was extremely quick and simple. Had to go to their site and fill in a form. They then tell you if you have been approved. Luckily in my case I was! If you want the money they offer you then you just accept and they send it over to the bank you applied with. Unfortunately I'm not going to enjoy the money, it's just to pay bills etc but I guess it's a something less to worry about knowing there are reliable lenders out there who can help you get out of a jam if and when you need it. I've no issue recommending them or using them again personally in the future.

Review posted by Jenny Bo

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  • Ease Of Use
  • Value For Money

Fab quick response excellent pay back amounts trustworthy i would never go anywhere else helps me out massively when unexpected bills or break downs happen. Highly recommend.
Excellent service depending on your financial income. Borrow money to suit your needs and pay back over a period of time, it's a good and fast pay out with the chance to pay back early. Would recommend to family or friends short of cash before pay day. It's quick and very easy to use. this service is very likable with quick payout to your chosen bank with in minutes what's not to like about this??

Review posted by Gary Black

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  • Ease Of Use
  • Value For Money

I really would recommend Safety Net Credit as a very good lender, the website is really easy to follow and the term and conditions are also good, the customer service is good, no, fantastic and the money is in your bank account within the hour, everything is made clear before you borrow money and it will let you pay your borrowed anytime early which is a great thing to do. I would certainly recommend. They got me out of a right pickle a few times now. I still havent come across a negative aspect. Keep up the good work :) keep making people like me happy

Review posted by Rachel McQueen

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  • Flexibility
  • Ease Of Use
  • Value For Money

Safety Net Credit is extremely fast and very simple to use. The application process for a loan can be completed in under 10 minutes. Your application will be processed immediately, and you should know if you are approved within a few minutes. This service is among the fastest in allowing you access to the money from your loan. In some cases, your money could be available in you bank account within an hour of obtaining a loan. Now thats impressive! Also they provide a secure site for your personal and financial information. All data going in and out of the site is encrypted, and the company is not known to sell customer information to third parties. All in all a fabulous service and will be recommending you to everyone I know! Thank youuuu

Review posted by Aaron Jones

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  • Ease Of Use
  • Value For Money

I applied for this product on a weekend and was funded first thing Monday. Are the rates high ... compared to other I have used in the past, no. Even though I lack good credit and collateral it introduces risk and they are balancing the risk/reward curve. I advise you to work the amount/payment slider to find the right balance of payment/loan; this made a tremendous difference in how much I end paying back to close out this loan.
Very happy with this company as I had no additional hits on my credit (I was pre-approved because I failed on another company's product), didn't have to make/receive a single phone call and was given very clear payback terms. The website is great to use to apply and to manage your account. I didnt have to give a third party access to my web banking account, it's a trusted service and I have no reason not to give them TOP MARKS

Review posted by Stephanie Willis

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  • Ease Of Use
  • Value For Money

I'm not one of asking for loans. I don't like to borrow anything. I like to have what’s mine and what I have worked for. Unfortunately this month such wasn't possible because I had some unexpected expensive bills to pay. I have a steady job, not a fantastic one but I get my money at the end of the month and always get by. Anyway, I needed £300 literally the next day tops. I had to pay them back just under £400. Although the interest rate is quite pushy for a one month loan, they were professional and friendly. So I guess they're ok

Review posted by Jade Pitchett

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  • Ease Of Use
  • Value For Money

Thanks to this loan company I can smile as I received a loan of £750 and two of my colleagues have also received the amounts they had requested without any issues. I advise you not to choose the wrong lender if you decide to apply for a cash loan for your project and any other thing. I am posting this message because I am really grateful with this loan company. If you need to make some changes in your life, you're stuck without access to bank credit, no money to start your own business or to pay your debts, then I would recommend you to contact them. You won’t regret

Review posted by Jacqui

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  • Ease Of Use
  • Value For Money

I found this company through social media. When signing up which was very easy, i saw at the end they need your internet banking details, i paused a while, gathered some research and then did it, there is no scam, it is totally fine, since i activated my account i have been borrowed money, i it back, interest was very low and everything was super easy to do, great service, but you have to remember you are charged interest everyday, its small but it mounts up so i advice only to get a loan if you are due to be paid with in a week and able to repay.

Review posted by Carl Douglas

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  • Ease Of Use
  • Value For Money

I recently had a bad fall at work and wasnt able to walk for at least week. I was off work for 2 weeks to recover, but that really left me out of pocket to live normally until payday. I decided to check out my possibilities. I managed to get a loan with Safety net Credit. It was instant and hassle free! I was overwhelmed with joy and RELIEF! If you are reading this i bet you understand what it feels like to be short of cash! Well, stress no more! Safety Net Credit offers the best terms and conditions to suit your needs and makes sure you have the amount you need at the time you need it most!! I have nothing negative to say about their services. I'm sorry but I'm sure this wont be the last you hear of me

Review posted by Bianca

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  • Ease Of Use
  • Value For Money

Your website was easy to use and i got me money within 2 hours in my bank account. Ive used you before so dont know if that make its so easy to use again. Anyway just wanted to say thanks ive told my mate about you so please look after him hes a top man. One thing i must say is the chap who spoke to me was very nice and made my experience a pleasure, didnt get his name but what a lovely man! If i have one complaint its that I wanted a little more money but the lad said that was to do with your affordability test, oops another test i've failed.
Ill be back soon
Your the best thanks

Review posted by Felix

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  • Ease Of Use
  • Value For Money

I borrwed £500 from Safety Net Credit for an emergency but the money didn't arrive for over 2 days.

By the time it did arrive, I'd had to borrow from elsewhere as I needed to get my car fixed or I was going to end up being fired by my boss. So I ended up paying 2 lots of expensive interest so I could continue to get to work :(

I'm not happy about it, but too much hassle to try and chase it up for a refund. Lesson learned, I'm going to stick with Wonga from now on as I used them while I was at university and I know they're faster.

Review posted by Chris Littlehouse

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  • Ease Of Use
  • Value For Money

I have always thought payday loans were a bit of a risky business, and probably the quickest way to get yourself into debt. Of course in an ideal world, none of us would ever have the need for a loan, but unfortunately things don't always work out the way we plan. I needed a loan which was fast and flexible, so decided to turn to Safety Net Credit. Going through the process of getting a personal loan seemed long and complicated, and I only needed a relatively small amount until I next got paid. Safety Net Credit offered me exactly that, and there were no lengthy contracts to read and sign, just a simple process to get the cash I needed.

Review posted by Mercedes Mahon

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  • Ease Of Use
  • Value For Money

Due to some bad miscalculation on my part, I didn't have enough money to pay all my bills last month. I knew that I would be getting a pay rise at work, but hadn't received it yet, so just needed to get through until then. Cutting down on going out and being frugal with my spending whilst shopping wasn't going to save me enough to get the bills paid, so I came to the conclusion that I should apply for a payday loan. I hated to be in that situation, but I knew it was just a one off thing and Safety Net Credit were more than helpful. The service was so fast that I didn't need to miss any of my payments that I was due to make, and I can pay the loan back when I get my pay rise and finances aren't so tight.

Review posted by Sapphire Binx

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  • Ease Of Use
  • Value For Money

My sister has often needed to borrow money from me in the past, and I never really minded as she's my little sister and our parents aren't financially stable, so I always felt obligated to help her. The only problem being, I felt she began to take the opportunity to borrow money for granted, it was all just too easy. So last month when she needed some extra cash again, I decided to point her in the direction of Safety Net Credit instead of opening my own wallet yet again. She was a little shocked at first, but in the long run I think it's been good for her to learn how it works in the real world, and she had no problems applying for the loan and receiving the money with such a simple service.

Review posted by Phoebe Smith

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  • Ease Of Use
  • Value For Money

I had been redirected to this company many times when being turned down for other loans, but didnt proceed because you have to give your online banking details to be considered.
Eventually I thought "what the hell" and applied, and it was the best decision I have ever made regarding payday loans. They send you a link to install their app on your phone and you can take any amount up to your limit at any time. Price is exactly the same as everywhere else but you repay it as and when you want. They have increased my limit each month although I never use the full amount, and any time I want money I open the app and request deposit, which is normally within 30 mins. Excellent company, would recommend to anyone (and already have).

Review posted by jim

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  • Ease Of Use
  • Value For Money

I got my application process accepted. I did not think I would qualify for a loan with them as my credit history was not very good but thank God I was wrong. My only problem with this loan company was the fact that they continuously send me advertisements in the mail and emails asking me to apply for their services after my payday loan was paid out. Despite that, I have nothing bad to say about them. The costumer service was good, the value for money was good, their flexibility was good. A great service. A great loan. I sincerely recommend

Review posted by Jessy Rainor

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  • Ease Of Use
  • Value For Money

The application procedure is easy and simple. I applied for their loan online as I could comfortably make the application online from home. I received a quick response saying my application was approved. The whole process was completed in less than a week and I received the money in my bank account within four or five business days.
I borrowed from them only once but am thinking of doing it again as I could use the money to go to Paris with my mom. I'am comfortable to say that I loved the way they treated me and their lower rates and helpful staff were a delight. I sure recommend them

Review posted by Callum

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  • Ease Of Use
  • Value For Money

I needed £180 for a new set of tyres as my car failed its MOT. I applied online with Safety Net Credit. I was a little worried they were going to phone me at work, but they didn't. The money was in my bank by the end of the day, and I got my car fixed as planned.
Its not ideal having to borrow money like that but it done the job as I wouldn't have been able to get to work otherwise. I would recommend using them, as long as you genuinely need the money. I didn't really feel comfortable asking friends or family to lend to me so I'd rather just pay £20 interest to them to be honest!

Review posted by Cameron Ross

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  • Value For Money