Recent reviews for Buddy
4.6 / 5 from 3,045 online reviews
Very efficient, very friendly and polite. Well done guysCatherine Elford
Very efficient, very friendly and polite. Well done guys
Applying for the loan was easy and was told throughout the application what was happening so all in all very good
Very good services and fast approval.Robertvalentin
Very good services and fast approval2020-06-01
Very good services and fast approval.
Fast and easy!Mihaela
Fast and easy!2020-06-01
Fast and easy!
Very easy to deal with2020-06-01
Very easy to deal with, quick with payout
Excellent friendly service!Ashley
Excellent friendly service!2020-06-01
Excellent friendly service!
Staff is very helpful2020-06-01
Staff is very helpful and understanding and the process is very quick.
Very helpful and thank youMustapha
Very helpful and thank you
Very helpful and don't talk over the top of youMichael Brown
Very helpful and don’t talk over the…2020-06-01
Very helpful and don't talk over the top of you
Brilliant thank you2020-06-01
Daniel who was dealing with my application was great and really went extra to help me. Thanks very much
Very helpful and excellent customer…2020-04-07
Very helpful and excellent customer service
I would recommend Buddy Loan to…2020-04-07
I would recommend Buddy Loan to everyone. Customer service is excellent very very helpful. A big thankyou to the team especially Daniel and Natalie,
Thanks for your help thay wher very…2020-04-07
Thanks for your help thay wher very quick at sorting out the lown 4for my daughter the service was executed meny thanks for helping us
Bit of a slow in the process but staff…2020-04-07
Bit of a slow in the process but staff are helpful, and they are lending you money so couldnt moan thanks guys.
Quick and straight forward and Money in…2020-04-07
Quick and straight forward and Money in bank in24 hours
Really helpful members of staff will…2020-04-07
Really helpful members of staff will explain everything in detail, special shoutout to chris in the under writing team as well customer service is 10/10
Fantastic service given.2020-04-07
Fantastic service given very understanding of my situation and very patient. Thank you buddy loans!
Lauren was so friendly and helpful2020-04-07
Lauren was so friendly and helpful. Was very easy and Lauren on the phone was very helpful, considerate and easy to talk to.
EXCELLENT SERVICE!!!! Applied at 1130am money was in by 530pm. Friendly helpful staff. Just brilliant
Thank you straight forward transaction…2020-04-07
Thank you straight forward transaction .trouble free process.would use again Buddy
quick and without any problems2020-04-07
quick and without any problems just call them if you wait too long for their call
Very helpful and made it easy for me to…2020-04-07
Very helpful and made it easy for me to apply good communication skills 10 out of 10 excellent
Fast friendly helpful highly recommend.2020-04-07
Fast friendly helpful highly recommended.
Really straight forward application2020-04-07
Really straight forward application, quick and efficient, spoke normal English, no jargon, very thorough and understandable questions, very pleased with the whole process
Very professional, friendly and understanding staff
Very efficient very helpful people at…2020-04-07
Very efficient very helpful people at the end of the phone . Would recommend for any person that has a friend that will help you to get a loan to go to Buddy Loans . Julie
Very helpful, easy service to use . Highly recommended.norman williams
Very helpful, easy service to use . Highly recommended.
Quick and very efficient excellent security checksYvonne Drake
Quick and very efficient excellent…2020-04-07
Quick and very efficient excellent security checks
Clear and precise explanation as to…2020-04-07
Clear and precise explanation as to what is required and how the loan is structured. The personnel were courteous and pleasant whilst ensuring the product was explained. A quick decision after completion of loan criteria.
Was dealt with by Daniel2020-04-07
Was dealt with by Daniel, who was sound. Always offering to help and answered any questions I had! Will definitely recommend
Always reliable.. Trustworthy service.Miss D May
Always reliable.. Trustworthy service.
Buddy loans have helped me more than they know2020-04-07
Buddy loans have helped me more than they know there amazing. All the staff I have spoke to have been spot on, they are really friendly and happy to help you if they can. They have made a new Buddy out of me 😁👍🏻
Very good2020-04-07It was a painless experience tbh, they had to call both me and my guarantor a few times to go over various things at different stages of the application process which is to be expected but no hiccups at all and once approved the money was depos...
Everything explained clearly very…2020-04-07
Everything explained clearly very friendly staff made the whole experience easy
Amazing, easy and simple!2020-04-07
Such a great experience getting a loan with these guys. I spoke to Laura who helped me with everything and made it really easy and simple! Would definitely use buddyloans again!
Applied for a loan and me and my…2020-04-07Applied for a loan and me and my gaurantor were accepted but heard nothing else when I phoned to ask what the process was I was told I couldn’t have one because I live in Northern Ireland. Should maybe make it a bit more clear on the website th...
Extremely Fast and helpful2020-04-07
Extremely Fast and helpful. Made the whole process easy. The staff here were great. Lauren was extremely polite
Fabulous, quick, easy, no aggravation service. Thank youSamantha Surridge
Really friendly people but a bit slow with process of the loan but due to being busy still kind
Very professional, helpful and courteous.
Absolutely shocking took them 4 days…2020-04-07Absolutely shocking took them 4 days too say they can't give us a loan and even then absolutely baffled too why they said no as both my partner and guarentor make well over a grand each and they have given one out too a friend off ours who was ...
Speedy, understanding, friendly and very helpful.
Quick, efficient and friendly2020-04-07
Quick and efficient, friendly handlers
I found all the staff that I spoke to…2020-04-07
I found all the staff that I spoke to very professional, explained everything clearly in a calm and friendly voice.
Really good company2020-04-07Really good company to get a loan with, answer any questions you have and make things as easy as possible to get through. Rates are really good and don't need excellent credit either. Dealt with a few people and every one of them was polite a...
Quick, efficient and friendly2020-04-02
Quick and efficient, friendly handlers
I found all the staff that I spoke to…2020-04-02
I found all the staff that I spoke to very professional, explained everything clearly in a calm and friendly voice.
Really good company2020-04-02Really good company to get a loan with, answer any questions you have and make things as easy as possible to get through. Rates are really good and don't need excellent credit either. Dealt with a few people and every one of them was polite a...
Very helpful staffFiona
Very helpful staff2020-04-02
Very helpful staff
I would totally recommend buddy loans2019-08-20
I would totally recommend buddy loans, the team was so helpful and understanding big thumbs up to the buddy team. And a big thanks to Sam for all your help.
Helpful and understanding2019-08-17
Helpful and understanding
Very helpful, Excellent customer service, Highly recommend.
Every single member of staff was so…2019-08-14
Every single member of staff was so friendly and helpful. Honestly the best loan company by far and will defintley recommend to anyone. They explained everything in detail and had such good manners.
Very friendly and explained everything…2019-08-14
Very friendly and explained everything that I needed to know and a fast response. They help you even if you have no/poor credit history. Thank you very much for all your help
Buddy LOANS are the most unique loan…2019-08-12
Buddy LOANS are the most unique loan company with great customer service and top quality response time when you apply for a loan.
Brilliant helpful people2019-08-09
Brilliant helpful people
Brilliant service. Couldn't fault the customer service.
Very clear and answered all my…2019-08-07
Very clear and answered all my questions quickly and easily.
These guys really are so so very…2019-08-06
These guys really are so so very helpful... none judgmental caring people I have ever had the pleasure speaking to and helping me I truly can’t thank this company enough thank you 😊
Very helpful and easy to talk too2019-08-06
Very helpful and easy to talk too. No rushing or complicated forms to fill out. Fast and friendly would recommend to everybody.
No problems just found application …2019-08-06
No problems just found application process long apart. From that buddy loans a very professional and helpful
the customer service has been…2019-08-05
the customer service has been fantastic. So easy to deal with and very approachable in tone. Dealing with finances is not always easy, and the staff were completely personable throughout.
Buddy loans have helped me whilst I’ve…2019-08-02Buddy loans have helped me whilst I’ve been at my lowest point, with no one else able to offer me a loan, buddy loan stepped up and helped me massively and will change my life and able me to live a happier life without the stress of owing multi...
Very nice and helpful all the way…2019-07-31
Very nice and helpful all the way through. Explained everything clearly. Samantha was very nice.
Loan was good and staff was brilliant2019-07-30
Staff was good I was very efficient getting back to me and was very in depth there efficient confirm to get a loan off
Excellent customer service very…2019-07-29
Excellent customer service very organised friendly couldn’t ask for more pleasure to do business will recommend to others
Again they helped me out by refinancing…2019-07-26
Again they helped me out by refinancing my loan when tax credits cut my payments and left me unable to do the jobs that I had planned now its all sorted
Thanks buddy loans
I would definitely recommend people to…2019-07-26
I would definitely recommend people to Buddy Loans. Very friendly staff and explained everything very clearly from start to finish. Thankyou Buddy Loans
Very nice people realy friendly they…2019-07-25
Very nice people realy friendly they explain really good everithink
helpfully friendly, polite and kept me updated throughout my application progress. Definitely recommend
fast and helpfulJennie Wickens
fast and helpful2019-07-23
fast and helpful
Whole process was fairly quick and…2019-07-22
Whole process was fairly quick and painless
Brilliant and quick serviceMichelle
Brilliant and quick service2019-07-21
Brilliant and quick service
Professional, friendly and high class service offered. Would recommend to everyone in need of a loan.
Brilliant service !!Daniel
Brilliant service !!2019-07-19
Brilliant service !!
Easy process with helpful people throughout.Darren Thornhill
Easy process with helpful people…2019-07-17
Easy process with helpful people throughout.
Amazing customer service2019-07-17
Amazing customer service, they answered all my questions even before I asked them,highly recommended
I’m so grateful for such opportunity…2019-07-16
I'm so grateful for such opportunity I've been able sorted things out though buddy
Quick easy and really helped me…2019-07-12
Quick easy and really helped me understand everything Thankyou
Good customer service
Fab quick service2019-07-11
Fab quick service, and afforable repayments 👌😊
Just got a top up on a previous loan2019-07-11
Just got a top up on a previous loan. The process is quick and simple, all done online no paperwork. Applied at 11am and was paid out by 4.30pm. Staff are friendly helpful and informative.
Very good service always there to answer any questions and excellent customer service , explaining everything in detail. Would recommend
Dan and lauren have been amazing2019-07-09
Dan and lauren have been amazing, thanks so much!
Fantastic experience again2019-07-06
Very professional and experienced team. Buddy Loans helped me again and I'm more than happy with their service. Highly recommend to everyone!
Buddy Loans Are A Great Company.2019-07-03BuddyLoans are a fantastic company, they have been a massive help and I am very grateful for all they have done for me. All the staff are extremely helpful, kind, polite and have great customer service. I highly recommend this company to anyone...
Very polite staff and get things done very quickly for you
Fantastic service. Highly professional and helpful team. Will recommend to everyone looking for guarantor loan
Amazing company, lovely staff with great customer service. Totally recommend.
Buddy Loans were fantastic2019-06-29Buddy Loans were fantastic. I had been turned down by other lenders who just looked at my credit score, but Buddy loans took the time to go through all my income and expenses with me to check if it was affordable for me. My son was my Guarantor...
Great as alwaysChristopher
Great as always2019-06-28
Great as always
Excellent service, friendly staff would definitely recommend!
Found buddy loans very helpful and…2019-06-27
Found buddy loans very helpful and polite very satisfied with everything. Fast service and easy to understand the process of it all would definitely recommend this company.
Every call I recieved was friendly and…2019-06-25
Every call I recieved was friendly and offered plenty of help, always asking if I was understanding what was happening.
Lovely customer service2019-06-25
I found everyone lovely to speak to and the communicating made the whole experience a breeze. Lauren in particular who I spoke with was really polite and explained everything perfectly :)
Nice team! Easy and simple! Many thanks !
Great help with great understanding…2019-06-21
Great help with great understanding explained to detail very well really pleased I choose buddy loans regards John
Great experience using buddy loans2019-06-20
Great experience using buddy loans, the staff are so friendly and understanding. I made a couple of mistake with my application but they were corrected straight away to make my experience a good one
Very good serviceRosanne
Very good service2019-06-20
Very good service
Great, simple no fuss company with reasonable rates for people with a poor credit rating. Would recommend this company to anyone who is struggling to find a loan. 5 STARS from me.
That human touch…..2019-06-16First time I've dealt with this company and I can honestly say their customer service advisors are superb. Lovely people to speak to, they have that human touch and are so friendly and approachable. I cant fault them. They were willing and able...
So helpful, made everything very clear and easy to understand. Great customer service from the start. Highly recommend
Very easy uncomplicated process !2019-06-13
Very easy uncomplicated process ! Nice , easy to talk to staff who seemed really friendly and explained everything !
Excellent customer service!2019-06-11
Excellent customer service! Affordable repayments! Samantha was very kind and helpful. Thank you!
I have dealt with other loan companies and Buddy Loans is by far the most friendly, efficient and helpful company. I would absolutely recommend them to all!
Very helpful , polite and fast . Highly recommended.
The staff were very helpful and helpful…2019-06-07
The staff were very helpfull start to finish Thanks
Very polite and efficient and got…2019-06-06
Very polite and efficient and got sorted within 36 hrs great service
Great help! Tried with other companies but most were only accepting homeowner garantours buddy loans took the time to see that it was affordable
Easy to do and always there to help and…2019-06-03
Easy to do and always there to help and understand when you aren’t able to contact eg due to work. Would recommend
Excellent helpful service2019-06-01
Excellent helpful service, definitely would recommend to anyone
From my opinion everything went smooth and quick day 1 i started the application and day 2 everything went through and got the loan. The employees were good and explained everything as it should be . So i recommend everyone this company.
Great assistance dealing with normal people who speak to you in a calm direct manner no jargon just what you need to know
Thorough and fair2019-05-30
Although the process took a little longer than expected, each operator I spoke to was courteous and professional, and once approved the money was transferred within hours.
Absolutely amazed at how helpful these…2019-05-29
Absolutely amazed at how helpful these people are, they understand that people can have a chequered financial history, and they do everything they can to help
Very straight forward and helpful2019-05-29
Very straight forward and helpful
Guarantor for a friend2019-05-28
Guarantor for a friend , all done over the phone, quick easy and efficient service. Money was in my account the same day as the loan was agreed!
Overwhelmingly Helpful…2019-05-24Overwhelmingly Helpful... I went to Buddy Loans after I had tried a few companies, I have and credit due to loans from previous years. so I tried Buddy Loans, and I am overwhelmed in how well they have treated me and how clear they have made e...
Easy to apply2019-05-23
Easy to apply , brilliant friendly customer service , loan went smoothly , very polite , really lovely people to talk to , would recommend to any one , many thanx for an easy experience.
Understandable of individual…2019-05-23
Understandable of individual circumstances, quick, affordable long term loans with realistic calculations for repayment.
brilliant service from start to finish…2019-05-21brilliant service from start to finish great customer service polite and clear and follow up an the things they will say they will do i would defiantly recommend to use buddy loans if your looking for a good experience and rates are OK as well ...
Excellent service friendly staff
Quick and easy to use would recommend…2019-05-20
Quick and easy to use would recommend to my friends and family
Buddy loan guarantor feedback2019-05-18I would definitely recommend this company. From the start they were thorough in explaining how their process works. The timings were spot on in terms of keeping you informed of the next steps and their contact number was answered within expec...
Brilliant service from beginning to end…2019-05-17
Brilliant service from beginning to end staff very friendly and no.problems at all
Amazing service very quick and easy…2019-05-16
Amazing service very quick and easy also getting a approval and quick payment will definitely be referring friends and family !
very very happy2019-05-14
I finally got my loan today. it took 2.5days in total. It was a great experience from start to finish. Chris was amazing !!! Thank you buddy loans.
The experience from beginning to end…2019-05-14The experience from beginning to end was simple from start to finish. I was kept updated and informed at each stage. One of the main things for me was that I was not made to feel in any way inadequate or a "lower" being just because of having ...
Great company staff always helpful and…2019-05-14
Great company staff always helpful and easy to use online portal. Would recommend to people with low credit scores.
Buddy was set up by Nicholas Zapolski and Guy Mackenzie in 2013 and is the trading name for Advancis Limited.
Both have a rich background within the financial services industry and have created a company which in a short space of time is getting plenty of positive reviews by its customers online.
While you could be mistaken in thinking that Buddy is just the same as all the other lenders, their differentiating factors include online customer accounts and no fees for fast pay-out or early redemption.
We certainly, therefore, think that Buddy should be worth serious consideration.
Good option for those with bad credit
Online portal for easy management
Approval decision within the hour
No paperwork to complete, 100% online
Your guarantor does not need to be a homeowner
Your guarantor must be aged between 18-75
Your guarantor must have a good credit score
Your guarantor must have a minimum income of £1,000pm
Your guarantor must have a UK bank account
Maximum APR 49.9%
Arrangement fee: £0
Early repayment fee: £0
Late payment fee: £12
Frequently asked questions
How long does it take to get a loan from Buddy?
Their aim is to have the loan approved in 24 hours 👍
- This depends on the documentation that's needed, and how quickly it's supplied.
- Once the loan has been approved, the money is transferred to the Guarantors bank account within hours.
How does the application process work?
- Select the amount you wish to borrow and over how long.
- Provide personal information so they can start the assessment process.
- Nominate your Guarantor.
- Our team will give you and your Guarantor a call to talk through your loan application.
- They'll chat through income, expenses, and affordability for you and your Guarantor
- Loan approved?
- Then their payout team will give you a call to talk you through the final details, do final security checks and get the funds paid out.
Can the loan be paid off early?
- You can make overpayments every month.
- You can also pay off in full, all without a penalty 👍
Are there any upfront fees?
- Buddy charge zero upfront fees.
- This website is free to use and charges no fees.
- If you goto Buddy from this website, the costs are the same as if you went direct 👍
Pros and Cons
Buddy offer loans from £1,000 up to £10,000, the following summarises the main features.
- Quick approvals with money paid out in as fast as 24 hours
- Online customer accounts, so you can make payments etc.
- No fees for fast pay-out or early redemption
- Good number of positive online reviews
- Interest is charged on a daily basis, so if you do pay off early you only pay for the money outstanding
- Non homeowner guarantors acceptable
- Your credit file can be poor
- You need a guarantor with a clean credit history
- The APRs are at the upper end of the guarantor market place
- An administration fee is charged which is added to your loan
- A guarantor is required, and if you stop making the payment, they will need to step in
The basics ✍️
- Both your guarantor and you need to be residents of the UK
- You also both need a valid UK bank account
- You and your guarantor need to comfortably be able to make the monthly repayments.
- Your guarantor needs to be between 18 and 75 at the time you take out the loan
- Your guarantor needs a minimum monthly income of £1,000.
- You need to be solvent, and not in an IVA or Bankrupt
- You have a 14 day cooling off period, so if you of your guarantor changes your mind you can return the loan.
We feel that Buddy Loans are one of the best guarantor loans lenders, though we would always suggest looking at your other options before applying for a loan.