UK Trust Loans
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Updated by Jon Edward at Jun 6, 2019

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. In 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 to £7,500

Repayment duration

12 to 60 months

APR

49.9% representative

Lending performance rating

55 out of 100

Time to Apply

2m 36s - OK

Customer Reviews

4.3 out of 5 from 82 online reviews

Read Reviews

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

Fees

Maximum APR 49.9% (Variable)

Arrangement fee: £0

Early repayment fee: £0

Late payment fee: £0

Top 3 loans by score, reviews and cost

Score

Amigo Loans	82.9 / 100
George Banco	72.5 / 100
Bamboo	71.3 / 100

Reviews

Amigo Loans	4.7 out of 5 from 20,198 customer reviews
Bamboo	4.9 out of 5 from 4,934 customer reviews
George Banco	4.9 out of 5 from 2,811 customer reviews

Cost

UK Credit	39.9%
1+1 Loans	47.8%
Guarantor My Loan	48.9%

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Compilation of UK Trust Loans' 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 only complaint with this loan from UK Trust
August 20, 2018

Via Trustpilot

My only complaint with this loan from UK Trust is them paying the money into the guarantor's bank and not mine. I don't really understand why that should be so as none of the other lenders that I looked at appear to do that unless I am mistaken... Val Beaumont
My daughter got her loan from UK Trust
August 13, 2018

Via Trustpilot

My daughter got her loan from UK Trust with my help acting as guarantor so I was a bit worried when I read about some sort of fraud scam and made her get straight on to UK Trust to find out more. They were very helpful and explained what the fr... Maureen Burns
I didn’t pay a lot of attention to the fraud warning on this website
August 6, 2018

Via Trustpilot

I didn't pay a lot of attention to the fraud warning on this website because I had already had my guarantor loan approved and had the money firmly in my bank account so couldn't see it would be an issue for me. My friend who is acting as guaran... Barry Haines

See more UK Trust Loans Reviews

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.

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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

Pro's

Online account management – keep track of payments and your balance online.
Fees – no arrangement or early repayment fees.
Homeowner – your guarantor does not need to own their own home.

Con's

Bank Account – the loan funds will be paid into your guarantor’s bank account rather than your own.
APR – the APR is higher than some offered by other companies on the market.
Term – the minimum term offered is 12 months rather than 6.

The basics

Age – you must be between 18 and 75 years old
Bank Account – you must have a UK bank account with direct debit facilities.
Funds Transfer – funds are usually available within two to three days.

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

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Representative Example

The following is representative example of a UK Trust Loans

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