1 Plus 1 Loans £500 to £10,000
One Plus One's online reviews from Feefo.com
Update: due to Corona Virus, 1 + 1 is pausing lending to new customers, click Get Quotes to find the lenders who're still active.
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Recent reviews for 1 Plus 1
4.7 / 5 from 529 online reviews
1 Plus 1 has received a good number of reviews on feefo.com. In the last year their reviews are broken down as below:
- 5 out of 5: 70
- 4 out of 5: 9
- 3 out of 5: 1
- 2 out of 5: 0
- 1 out of 5: 3
Based on 83 reviews over the last year
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Quick and easy to use
Robin Kennett -
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Very good service
Jason Harrison -
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Excellent, quick and professional service, would highly recommend.
Trusted Customer -
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Brilliant sevice would recommend to my family and friends
Trusted Customer -
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Staff very helpfull. Helping on every step
Pranciska Galdikaite
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Really nice agents, everythink was clearly and top quality Service.
Trusted Customer -
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Was good apart from delays but happy with service.
Trusted Customer -
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I would recommend this to my family and friends.
Sharon Neville
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Very reliable and friendly customer service team
Trusted Customer -
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Polite, helpful and ready to answer any questions
Trusted Customer -
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Brilliant service and so helpful
Haulwen Pritchard -
Friendlies polite staff
Trusted Customer
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Always very helpful and polite
Claire Jones -
Yes I would recommend and use again if needed
Trusted Customer -
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A nice experience talking to them and helpful
Glynis Bailey -
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Seem straight forward and an uncomplicated process.
Trusted Customer
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Good customer service, no hassle compared to some companies.
Trusted Customer -
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Excellent service, couldn’t fault the agent I spoke to very helpful
Trusted Customer -
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Very helpful advisers are frienly ..and get everything sorted quickly..
Nigel Misselbrook -
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Effecient and friendly speak to the same person through out
Trusted Customer
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Very easy process and friendly and helpful costumer service.
Ilona Haitovica -
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Very helpful answered all my q’s
Trusted Customer
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All carried out professionally
Trusted Customer -
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Excellent service, couldn’t fault the agent I spoke to very helpful
Trusted Customer -
Quick and easy
Andrew Bate -
Helpful and pleasant. Would recommend.
Pauline Corker -
Effortless, easy process, informative and helpful. Highly recommend.
Trusted Customer -
Yes brilliant service all round
Trusted Customer -
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Friendly, efficient and simple.
Trusted Customer -
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From application to payout smooth and simple
Trusted Customer -
Excellently handled thanks for all your help
Trusted Customer -
Super duper. Easy to complete and money in the bank fairly quickly
Trusted Customer
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Absolute stars! Got the loan quick no messing.
Trusted Customer -
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Rapid wuik service good people
Chirag Jobanputra
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Very fast, hassle free & very good rates!
Trusted Customer -
when they could see that borrowing money at an affordable price was becoming a difficult prospect for those who needed it most.
They base eligibility on creditworthiness, affordability and friends and family rather than credit ratings.
They aim to make the application process as pain-free as possible and have efficient payout times, with most customers having the money appear in their account the same day they apply.
Loan Highlights
Borrowers do not need to have a good credit history
Guarantors do not have to be homeowners
Loans of up to £10,000 are available
Loan can be repaid in full at any time
Minimum Criteria
Must be aged 18 or over
Cannot have a history of bankruptcy or any active IVAs, CCJs etc
Guarantor must be aged between 18 and 75
Guarantor must be able to demonstrate a good credit history
Fees
Maximum APR 47.8%
Arrangement fee: £0
Early repayment fee: £0
Late payment fee: £15
Frequently asked questions
How long does it take to get a 1+1 loan?
They say the money could be in your bank account today 😀
With our guarantor loans, the money could be in your bank account today, if we get you approved before 3pm
To achieve this you will need to have all the details they require from you and your guarantor.
How long does it take to apply?
From our tests, it was quick, about 2 minutes and 40 seconds to fill out their online form 🏃♂️ 💨
Are there any upfront fees?
No 😀
- 1 Plus 1 do not charge upfront fees.
- There is zero charge for using this website.
Is it possible to pay the loan back early?
Yes 😉
- You can fully pay back the loan at any time.
- There is zero charge for doing this.
Pros and Cons
1 Plus 1 offer loans from £500 (lower than most lenders) up to £10,000, the following summarises the main features.
Pro's 👍
- No application fees – The only additional fees relating to loans with 1 + 1 are for missed payments.
- Competitive APR – At 47.8% the current APR is lower than the market average of 49.9%.
- Non-homeowners accepted as guarantors – Unlike some other lenders, 1 + 1 will accept guarantors who do not own their own property.
- Smaller loans available – With loans starting at £500 these are an affordable solution to short term financial problems.
Con's 👎
- Guarantor – You need a guarantor, and if you stop making your monthly payment, they will need to step in.
- Good credit rating required – Your guarantor must have a credit rating.
- Repayments – Your guarantor will be expected to make the repayments on the loan if you are unable to do so.
The basics ✍️
- UK Residency – All applicants and guarantors must be UK Residents
- Age – You must be at least 18 and no more than 75 years old
- Bank – You must have a UK bank account and a debit card.
- Insolvent - You need to be solvent, so not in a DMP (debt management plan), IVA (Individual Voluntary Arrangement), Trust Deed (Scotland), or bankrupt
- Parents - Parents can act as a guarantor.
1 Plus 1 provide a good loan offering; though we would always suggest looking at the other options on the market before making a final decision.