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Recent reviews for Amigo
4.7 / 5 from 26,817 online reviews
Quick and fast loans very helpfulJohn Moran
Quick and fast loans2020-02-10
Quick and fast loans very helpful
Terrible terrible company proper…2020-02-10
Terrible terrible company proper complaint investigations never took place but at least the Financial Ombudsmen will carry out a proper review
Very friendly staff and the loan was…2020-02-10
Very friendly staff and the loan was paid out very quickly thanks to amigo loans
Great customer service, confident and easyStacey Gregory
Great customer service2020-02-10
Great customer service, confident and easy
Fantastic service. I cannot fault them at all. Really helpful and really lovely.
Simply amazing I’ve got nothing much to say all I will say is thank you Amigo for the experience it was indeed great
Thank you my Amiga
Very quick service and well informed…2020-02-08
Very quick service and well informed about next step
Great help2020-02-08Great help, undstood my circumstances and took everything I said into consideration. Gave me every possible way to chose how to pay the money back on my terms each month and help out if I carnt Offord one full payment for the month. 6*, highly ...
Great help fast serviceMR ALBERT GODEFROID EBOMBI IFEFO
Great help fast service
Very easy and quick process in filing…2020-02-08
Very easy and quick process in filing the application out , staff are very help full in dealing with the matters i was unsure with
Friendly,efficient, and expedient.customer
Friendly,efficient, and expedient.
Quick and easy2020-02-08
The application process was easy and quick.
Clearly with all the checks, Amigo loans are a responsible lender. Unlike most these days I feel this company cares for customers applying through there website.
From start to finish great service and…2020-02-07
From start to finish great service and when not sure just phoned and brilliant respond everything sorted and paid out in hours
phone excellent to detail what happens…2020-02-07
phone excellent to detail what happens as a guarantor paid out quickly great telephone manner
Although took a while the last guy…2020-02-07
Although took a while the last guy Ithat helped me was helpful. Amazing company.
Do not contact me2020-02-07
Never gave them my details or consent to send me anything yet I have just received a loan contract in the post to sign. Do not contact me again
I Only wanted a quote and to my…2020-02-06
I Only wanted a quote and to my surprise I was sent a letter asking me to agree a loan with an APR of 49. Before the letter had come, I had already emailed them to say I didn't want it. Hope they will leave me alone!
even better if it more quickercustomer
even better if it more quicker..2020-02-06
even better if it more quicker
Great company.Brian Price
Excellent service and very friendly…2020-02-06
Excellent service and very friendly staff would recommend very highly
Poor Communication – Slow Service – Poor Complaint Handling2020-02-06After initially making an affordability complaint to Amigo and having that brushed aside because, in their interpretation of the FOS guidelines, it fell outside of the six-year rule, They kept me waiting for the whole eight weeks before telling...
Very helpful and polite2020-02-06
Very helpful and polite, quick decisions made and payout is within a couple of hours if not before.
Very good and very helpful.Kay Holt
Very good and very helpful2020-02-06
Very good and very helpful.
Speedy and friendly staffcustomer
Speedy and friendly staff2020-02-05
Speedy and friendly staff
Brilliant telephone conversation,happy,not patronizing,and more like talking to a good friend,but obviously,a serious matter underlying.excellent service,I wish all took this attitude,a real pleasure.
Very understanding of my needs and very helpful in completing transactionMr Patrick Mcloughlin
Very understanding of my needs and very…2020-02-05
Very understanding of my needs and very helpful in completing transaction
It was very smooth straightforward and…2020-02-05
It was very smooth straightforward and quick
Fantastic level of service2020-02-05
Fantastic level of service, very professional, with a quick pay out.
Excellent service, very fast! I am happy, thank you Amigo LOANS!!!
Very helpful staff2020-02-05
Very helpful staff, straightforward and reliable. Refered my friends too.
Great people to talk to very helpful…2020-02-05
Great people to talk to very helpful thank you for your assistance
It has been a decent experiencecustomer
It has been a decent experience2020-02-05
It has been a decent experience
On phone for 55 mins waiting on someone…2020-02-05
On phone for 55 mins waiting on someone answering
Very helpful and polite and helped me alot. Very reasonable. I'd definitely recommended amigo loans to friends and family
Took me almost a month to paid in.dont…2020-02-05
Took me almost a month to paid in.dont know who slowing down between Amigo staff and Guarantor. Thank you anyway Amigo.
Big shout to Harrison for dealing with…2020-02-05
Big shout to Harrison for dealing with my application in the end,highly recommend amigo everything checked to perfection 👌🤗
A good way to improve your credit score…2020-02-05
A good way to improve your credit score if payments a kept up
Give them a go2020-02-05
Affordable loan, quick and easy application process friendly knowledgeable staff.
dont use!2020-02-05Passed the 8 weeks & with help and advice from step change have sent to the financial ombudsman who I know are upholding a lot of these complaints against amigo & from the evidence I have sent them & advice ive been given im happy knowing the g...
To be honest2020-02-04To be honest, I've never dealt with any other company, in any field, that are so quick and efficient in every aspect of your customer care. First class, from start to finish. No delays nor messing about. Thank you for your help and advice. Woul...
Very easy, quick and reliablecustomer
Very easy, quick and reliable
Clear and concise information Helpful and friendly staff Efficient service
Long waiting times on phone calls2020-02-04Long waiting times on phone calls, guarantor had to send proof of income on 4 different occasions all of the same document, finally got loan sorted out after I had to continually phone up to find out what stage my loan application was at. Apart...
It was straight forward and easy to understand. Quick and efficiencustomer Simon watkins
It was straight forward and easy to…2020-02-04
It was straight forward and easy to understand. Quick and efficien
Wonderful and helpfulAdelcia moxon
Wonderful and helpful2020-02-04
Wonderful and helpful
Very happy with there service2020-02-04
Very happy with there service
Simple to use, good customer serviceAndrew D'Amery
Simple to use2020-02-04
Simple to use, good customer service
It was simple no complications easy to…2020-02-04
It was simple no complications easy to understand and most polite service with staff recommended to anybody in future. Aaron
Very good to deal with, very quick, all you could want.Cathy Alexander
Very good to deal with2020-02-04
Very good to deal with, very quick, all you could want.
They were most helpful and understanding and kind sounding as wellMiss Helen Carolan
They were most helpful and…2020-02-04
They were most helpful and understanding and kind sounding as well
Thank you, always available to take a call.leeanne Dutton
Thank you, always available to take a call.
Amigo is very easy to use and the…2020-02-04
Amigo is very easy to use and the service is excellent
Friendly helpful staff. Took minutes to receive pay out.Michael Finley
Friendly helpful staff2020-02-04
Friendly helpful staff. Took minutes to receive pay out.
would highly reccomenedcustomer
would highly reccomened
Very good company to work with and very understanding about money situations I pay my loan off weekly witch is a lot easier to manage my out going’s with my weekly pay
Honest and helpful lenders2020-02-04
Really helpful and thorough checks. Helped me make the right decisions for me and get myself back on track.
Quick and efficient2020-02-04
Quick and efficient
cannot fault the service we received.
Everything was great with them no…2020-02-04
Everything was great with them no problems at all money was payed in bank in 40 mins
I have dealt with this company on 2…2020-02-04
I have dealt with this company on 2 occasions and have been really impressed by the way they treated me, the customer service is fantastic and I could not have asked for anything more.
Very helpful and understanding going…2020-02-04
Very helpful and understanding going though everything and felt welcoming
Great customer service and quick pay…2020-02-04
Great customer service and quick pay loans.
Fast and helpful staff2020-02-04
Fast and helpful staff, great service.
Easy to apply2020-02-04
Easy to apply. Quick response. Lovely friendly staff.
Very good an quite serviceMs Diane Gittings
Very good an quite service2020-02-03
Very good an quite service
Easily completed.. not complicated.. real people to speak to.. only thing let's them down is time it takes to answer the phone
Always there to help if you struggle to…2020-02-03
Always there to help if you struggle to make a payment they will help to suit your needs at the time
Topped up my loan with so much ease, quick call to my guarantor and it was done. They’re so friendly and are very considerate if you cannot pay on the day you’re supposed to. Pleasure being a customer of theirs.
Take a penny of every card you upload but never is mentioned anywhere also took a while to get processed from thrusday to saturday ... so 3 days for a loan other places are quicker
Good and quick response .2020-02-03
Good and quick response . There to help if need .
Excellent efficient serviceMrs Beaumont
Excellent efficient service2020-02-03
Excellent efficient service
Took a week before they turned me down…2020-02-03
Took a week before they turned me down after jumping through hoops to try and get a small loan of £500. My 2 ccjs were a problem so don't believe their ads absolute cap.
Excellent and very professional2020-02-03
Excellent and very professional, quick and easy
Very supportive staff and reliable!Albertino
Very supportive staff and reliable!2020-02-03
Very supportive staff and reliable!
I looked at few possibilities2020-02-03I looked at few possibilities. And amigo was the best option. Very fast and professional in all-parts. And very easy to talk to for any questions you may have be for you agree to except the loan. Thank you for a good service amigo. Nic...
Very good service and very friendly staff2020-02-03
Very good service and very friendly staff good idea to pay off as quickly as possible as the APR is high so not a long term loan solution but help when it’s needed very appreciated
Took 15mins to answer the phone but…2020-02-03
Took 15mins to answer the phone but once answered the girl was very polite and very helpful.
Very straight forward, no complaintscustomer
Very straight forward2020-02-03
Very straight forward, no complaints
Just thank you 😊Kadie Eldridge
Just thank you 😊2020-02-03
Just thank you 😊
Formerly known as FLM Loans, Amigo is one of the only lenders to have an online account management system, so once you have a loan with them you can log in to make payments and see the up to date status of your account.
As all loans when you have a poor credit rating, Amigo’s APR costs are higher than you would get from a typical ‘high street’ lender, but compared to others in the guarantor marketplace, their rates are average.
There are other lenders who offer smaller and larger loans, plus wider acceptance criteria, but if you’d prefer to go with the market leader then Amigo is your lender.
A good credit history is not required
Direct debit is not needed
Your guarantor does not need to be a homeowner
You don't have to be a UK resident for a specific length of time
A guarantor is needed to back your application
Your guarantor will need a strong credit history, or be a homeowner
Your guarantor need to be able to prove a regular income, and loan affordability
If you are unable to make your monthly repayments, your guarantor will be required to do this for you
Maximum APR 49.5%
Arrangement fee: £0
Early repayment fee: £0
Late payment fee: £0
Frequently asked questions
How long does it take to get an Amigo loan?
They aim to payout within 24 hours of your application and the guarantor being accepted; often this is quicker 😀
How long do Amigo’s final checks take?
In as little as one hour’s if ⏲️
- Amigo are able to speak to your guarantor when they call.
- The property your guarantor owns is not in Scotland or Ireland (address checks take longer).
- The information they've requested is available, such as proof of ID or a bank statement.
Do Amigo pay out on a Saturday, Sunday or Bank Holidays?
They do not 👎
Payouts are Monday - Friday 9am to 5pm
Will Amigo need to call me or my guarantor?
They may need to depending on your circumstances 📞
- If they do, will aim to do this within 48 hours of accepting your guarantor.
- After that, they will only call you if your account isn’t up to date.
- They will call your guarantor to confirm their details and to arrange the payout.
Pros and Cons
Amigo offer loans from £1,000 up to £10,000, the following summarises the main features.
- UK Residency- It does not matter if you’ve not been a UK resident for a specific length of time
- Non-homeowner– your guarantor can be a tenant as they do not need to own their own home.
- Credit Rating- they accept people with a bad credit rating through missed payments, CCJ’s, etc.
- Direct Debit– unlike other lenders, they do not require you to have a bank account with direct debit
- Guarantor– you’ll need to find a guarantor
- Repayments– if you are unable to make your monthly repayments your guarantor will be required to do so.
- Very poor credit rating– if your credit history is very bad it’s likely Amigo will require your guarantor to be a homeowner.
The basics ✍️
- UK Residency– you need to be a resident of the UK
- Age– at the time of applying you need to be between 18-75 years’ old
- Affordability– you’ll need to be able to show that you can comfortably be able to make the loan repayments
- Insolvent- you can't be bankrupt, in an IVA or trust deed (Scotland)
Amigo provides a solid loan offering and we have found them to be responsive and professional; though we would always suggest looking at the other options on the market before making a final decision.