We check that our loans are affordable to both the Borrower and their Guarantor before lending. A Guarantor loan is a type of unsecured loan which enables people without a strong credit history to access the funds they need, with the help from a friend or relative.
Guarantor loans are a good option for people who can afford the repayments and feel it is the best option for them based on personal circumstances, even if they have lower credit scores.Guarantors can be almost anyone who has known the Borrower for at least 12 months and who is willing and able to make the payments if the Borrower doesn't.
Guarantor loans are a good option for people who can afford the repayments and feel it is the best option for them based on personal circumstances, even if they have lower credit scores.Guarantors can be almost anyone who has known the Borrower for at least 12 months and who is willing and able to make the payments if the Borrower doesn't.
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Based in Norwich, we first opened our doors in 2010 and have continued to grow ever since. Even though the team (and our loan book) is bigger, our goal has remained the same: to provide affordable, flexible loans to people who may have a less than perfect credit history and cannot secure the money they need through high-street banks.
UK Credit is one of the country's most trusted lenders of Guarantor loans. We provide affordable, flexible unsecured Guarantor loans to those who may not be able to borrow from high-street banks. We understand that people who have hit a bump in their finances and have a less than perfect credit history need access to credit too and with it, a chance to rebuild their credit score.
Once you've found a suitable Guarantor, you can apply for a loan through our secure, online website. You must have a Guarantor to borrow money through UK Credit. It is vital your chosen Guarantor understands their responsibilities and is happy to support your application and to make the loan repayments if you don't.
As a responsible lender, we do require minimum criteria to be met for our loan applications to be considered. We should remind you, you should always consider if you need the loan before completing your application. Below you will find the criteria which must be met to borrow from UK Credit as well as the criteria for your chosen Guarantor.
Open Banking allows you to safely and securely share your financial data, such as income and outgoings, with regulated financial service providers. Having access to this information will allow us to assess your financial situation and make a decision about your loan. So why give UK Credit access? Open Banking means we can make an informed decision about your loan by reviewing your income and outgoings.
Reviews (10)
Elaine Taylor
Sep 19, 2021
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Ashish Uplopwar
Jun 12, 2019
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Company is taking all the details of customer and customer's guarantor before even approving the loan. They are charging hell lot of money in terms of APR. There APR is classified for only rich ppl because its too high that an ordinary person can't afford it. I think FCA should stop the company who offered ridiculously high APR like UK credit. Customer service are not quite helpful in order to fulfill the customer's need.
Mark Wallace
Jan 13, 2019
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Robert Fletcher
Dec 27, 2017
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Stefan Anderson
Oct 24, 2017
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Amanda Halstead
Sep 28, 2017
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Thabi Dij
Sep 14, 2017
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Great service! Friendly and professional staff so far. I had a top up loan to fund a professional course which could inturn offer me life changing opportunities. My credit isnt good and I've been stressed about this for a while. I'm realy happy with the turnaround and service from the agents. Definitely recommend these guys👌🏾
Simon Matthews
Jul 30, 2017
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Excellent all round service. Staff are very friendly and make the whole process very easy and explain all the details very clearly. I am an existing customer and have topped up my original loan and with my new plan I have also been put on a lower interest rate than my previous loan. Would recommend U.K. Credit to anyone who is looking for a guarantor loan.
Damian Corscadden
Jun 04, 2017
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Paul PJMemez Jackso
May 28, 2017
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