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.
William & Tom we’re absolutely fantastic at giving me advice & making me feel at ease your company is so professional I would recommend yous to everyone who looking for a loan with excellent service
Very helpful and won't just give money because you want it. They seem to really care that you won't get into more money problems if have their loan. Very good communication and loan in bank within 5 minutes of putting phone down. Excellent customer service.
Ease, Customer Support,advice and helpfulness
Stuart was fantastic, asked all the relevant questions overall very helpful
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Lauren was amazing! So friendly and professional - she answered all my questions and made the whole process so much easier! She is an asset to the company! Would definitely recommend UK Credit!
Absolutely brilliant! First class service. Thank you again
Absolutely brilliant. I think it was Lauren who i dealt with. So professional and made me feel at ease
Thomas was really nice and kind with me. VERY GOOD SERVICE!
Amazing customer service. Ready to help with anything. Thank you for your great service.
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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