UK Trust Loans
Guarantor Loans from £500 to £7500

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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 in 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
See representative example
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%
Compare All Guarantor Loans

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.

 

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

Company Information

Company Info

FCA Registration

  • FCA Ref No 655810
  • Firm Name UK TRUST LOANS LTD
  • Principal Place of Business 9 Nimrod Way East Dorset Trade Park Wimborne Dorset BH21 7UH

Data Protection Info

  • ico Reg No Z351446X
  • Data Controller UK TRUST LOANS LTD
  • Address 9 Nimrod Way East Dorset Trade Park Wimborne Dorset BH21 7UH
  • Other Names
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