UK Credit is a financial services company specializing in unsecured homeowner loans, particularly through guarantor loans. Although UK Credit ceased offering new guarantor loans in December 2021, it continues to support existing borrowers and guarantors with live accounts, providing essential information and customer care services. Clients can access guidance on payments, account inquiries, and how to handle potential payment issues through their dedicated customer support team. The company's services are designed for individuals seeking financial assistance, specifically those with current guarantor loans. UK Credit's focus on customer service ensures that borrowers and guarantors can navigate their financial obligations with clarity and support. For those looking for additional financial options, UK Credit refers clients to its sister company, Norwich Trust, which offers unsecured loans.
UK Credit receives high praise for its excellent service and streamlined loan process, with many reviewers highlighting the helpfulness and professionalism of staff like Karolis and Monika. Customers appreciate the thorough affordability assessments and the clear communication throughout the application, often describing the experience as smooth and efficient.
However, a small number of critical reviews express serious concerns about the company's practices, alleging fraud and unpleasant staff interactions. Some consumers report unexpected fees and a lack of transparency, which has led to feelings of distrust. Despite these negative experiences, the overwhelming majority of feedback remains positive, showcasing a strong reputation for customer service and effective loan solutions.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.8 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Feb 2025.
| Month | Average | Reviews |
|---|---|---|
| Jul 24 | 1.0 | 1 |
| Aug 24 | — | 0 |
| Sep 24 | 5.0 | 1 |
| Oct 24 | — | 0 |
| Nov 24 | — | 0 |
| Dec 24 | — | 0 |
| Jan 25 | — | 0 |
| Feb 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“They always prioritise their customer service and have a very person centred approach which is rare for a company in...”
“Thiefs, they are charging without telling you”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.8 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | — | 60 |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | 27 |
Bottom line: UK Credit - Unsecured homeowner loans is #2 of 5 on overall rating in this group.
60 reviews of UK Credit - Unsecured homeowner loans. Filter by what matters to you.
Amazing service, quick turnaround and thorough stress testing so felt looked after. Gary was professional, knowledgeable and put me at ease. All sorted within 24 hours and made sure I could afford the loan to consolidate. Thank you
The politeness, the professionalism and the thoroughness. The young lady who dealt with my claim was India. She showed all of these qualities and is a credit to your company. Every step was clear and concise.
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Daryl was very helpful and professional. He guided the process well and was supportive throughout. Very happy with the experience! Thank you
Couldn’t be happier Service was quick and the people were friendly and reliable
Fabulous communication. 5* Made me feel safe & at ease. 5* Easy to prosses & access information threw email 5*
Easy application, advisor India, was very thorough with her questions rightly so, she was kind and encouraging throughout telephone contact. The application process was very easy and quick, I received the funds into my bank pretty much as soon as all the final checks had been completed. India communicated well throughout the process and I knew exactly were things were up to throughout.
Much praise to Tom for dealing with my application today , such empathy.
The process was clear and well explained to me. Recommend this company.
William was assigned to my loan application. The dude was patient, knew his stuff, and very professional. My application process was quick, had funds in my account 30 minutes after affordability appointment with Will. I was happy with the service I received.
Very good and helpful service. Karolis was helpful and efficient. Would recommend if anyone is getting a loan
Amazing. Very efficient even though the rates are high. I must thank them
Very nice, professional and efficient. Very clear on all conditions and happy to explain everything else.
Absolutely brilliant
The process was straight forward and the agent was courteous and professional
Good experience from start to finish. Was talked through the process step by step, never judged only supported.
Thomas was very helpful with my loan and made it all very simple
Really good service ad helpful
UK Credit is a financial services company specializing in unsecured homeowner loans, particularly through guarantor loans. Although UK Credit ceased offering new guarantor loans in December 2021, it continues to support existing borrowers and guarantors with live accounts, providing essential information and customer care services. Clients can access guidance on payments, account inquiries, and how to handle potential payment issues through their dedicated customer support team. The company's services are designed for individuals seeking financial assistance, specifically those with current guarantor loans. UK Credit's focus on customer service ensures that borrowers and guarantors can navigate their financial obligations with clarity and support. For those looking for additional financial options, UK Credit refers clients to its sister company, Norwich Trust, which offers unsecured loans.
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