UK Credit
Guarantor Loans from £1,000 to £10,000

UK Credit is now one of the major players in the UK guarantor loans market.

They have a distinct product offering and will lend to those whose guarantors are both tenants and homeowners. They do stand out, as if your guarantor is a homeowner, then they have very competitive rates from as low as 37.9%. UK Credit have a very clear pricing structure and charge more or less depending on whether or not your guarantor is a homeowner. See their rates.

Homeowner Loans 2

Amount: £5,000 - £7,500

Term: 24 – 60 Months

Representative APR: 37.90%

Homeowner Loans 1

Amount: £1,000 - £5,000

Term: 12 – 36 Months

Representative APR: 39.90%

Tenant Loans

Amount: £1,000 - £4,000

Term: 12 – 48 Months

Representative APR: 54.90%

So as you can see, UK Credit so offer some of the best rates in the market, and with a large number of positive customer reviews, they certainly are a good company worth considering.

Loans from
£1,000 to £10,000
Repayment duration
12 to 60 months
39.9% representative
See representative example
Lending rating
68.7 out of 100
Time to Apply
1m 45s - Average

Loan Highlights

UKCredit accept tenant guarantors

You can get a quote on their website without it affecting your credit history

Once your loan has been paid out, you can manage your account online.

More features

Minimum Criteria

You need a guarantor with a good credit history to back your application

You need to be between 18 and 75 to apply

You need a bank account with debit card and direct dedit facility to apply


Maximum APR 69.9%

Arrangement fee: £0

Early repayment fee: £40.00

Late payment fee: £0

Top 3 loans by score, reviews and cost

Compilation of UK Credit's online reviews

4.7 out of 5 from 1,301 reviews

UK Credit has a received good number of online customer reviews on Most reviews however were on Trustpilot:

  • 1,301 reviews
  • Excellent - 83%
  • Great - 13%
  • Average - 2%
  • Poor - 1%
  • Bad - 1%

See below a compilation of all reviews, both good and bad.



Our verdict of UK Credit

By Jon Edward

Lender performance rating 68.7 out of 100


UK Credit currently offer the most attractive Representative APR of all our lenders at 39.9%. However, to get this rate your guarantor will need to be a homeowner.

As a comparison (based on Representative APR), if you get a £3,000 loan with UK Credit for 36 months the total sum re-payable is £4,827.60, this is £442.44 less than the same loan from Amigo**.

UK Credit also enjoys over 1,000 positive online reviews on Trustpilot, so are a lender to consider.

** Please note that these figures are based on Representative APR, the rates you are offered may differ depending upon your personal circumstances.

Loan Description

UK Credit offer loans from £1,000 to £10,000 over periods of one to five years depending on whether your guarantor is a tenant or a homeowner. See below our summary of some of the pros, cons and features of their loans:

We suggest that before deciding to apply, you take a look at the other lenders

Representative Loan Example

The following is Representative Example of a UK Credit Loan

39.9% APR Representative (Fixed) Representative Example: £4,500 over 3 years, representative 39.9% APR fixed. Monthly payment £201.15. Annual interest rate 34.05% fixed. Interest payable £2,741.40. Total repayable £7,241.40.