UK Trust Loans

We’re not referring to UK Trust | Other Loans £1,000 - £15,000 >

UK Trust Loans were established in 2012.

They are slowly building brand loyalty thanks to the support received on their social media channels. There are positive online reviews which give a good insight into the benefits of choosing them.

They are one of the few companies that offer loans from £500 which makes them a good option compared to some more high profile, short-term lenders.  The current representative APR is 49.9% which matches the market average.

In our tests, we found that the online application process took 2m 36 seconds which is around average.  Choose Wisely’s Optio scoring system, they received a rating of 55% which is low compared to other lenders (high 78.9%).

Unlike many other lenders, they give you an online account so you can manage your payments and see the balance of your loan at all times.

Loans from
£500 - £7,500
12 - 60 months
49.9% representative
See representative example
55 / 100
Time to Apply
2 mins 36 secs

Loan Highlights

No fees of any kind

You don't need to have a good credit history

Guarantor loans available up to £7,500

Your guarantor does not need to own their home

Fast payout

More features

Minimum Criteria

Must be aged 18 or over

Must be able to demonstrate that the repayments are affordable

Your guarantor does not need be a homeowner

Your guarantor must be aged between 18 and 75 years old

Your guarantor must have a regular income


Maximum APR 49.9% (Variable)

Arrangement fee: £0

Early repayment fee: £0

Late payment fee: £0

UK Trust online reviews

4.3 out of 5 from 82 online reviews

UK Trust Loans has only amassed a relatively small number of reviews and current has just over 80 reviews online, on Readies; however the majority of these are on Trustpilot:

We have compiled below a selection of these reviews, both good and bad.



My verdict of UK Trust Loans

By Jon Edward

Lender performance rating 55 out of 100


UK Trust Loans offer a variety of loans ranging from £500 (which is lower than many of their competitors) up to £7,500.

Their loans come with no arrangement fees, no charges for early settlement or over-payments and no hidden fees and the general customer experience seems to be a very positive one.

They will only lend as much as they believe the customer is able to repay in a responsible way, and the APR will vary depending on your financial circumstances and the amount you need to borrow.

Loan Description

UK Trust Loans offer loans from £500 (lower than some of our other lenders) up to £7500, the following outlines some of the main features

We would recommend your compare the different loans available and research other lenders before making an application

UK Trust Representative Example

Representative 49.9% APR

Representative Example: Borrow £500.00 over 12 months, repaying £51.53 per month = Total Repayable £618.36. Interest Rate: 41.16% Fixed

Company Information