UK Credit

UK Credit

Product range

UK Credit now offer two main products.

Their main product is a regular guarantor loan where the guarantor must be a homeowner. The other is a tenant guarantor loan where the guarantor can be a non-homeowner.

Let’s look at some of the important facts for each of these products:

 Homeowner Guarantor LoanTenant Guarantor Loan
Amount Offered£1,500 – £12,500£1,500 – £6,000
Repayment Period18 – 60 months18 – 60 months
Representative APR39.9% (Fixed)69.9% (Fixed)

As you can see, the amount offered and interest rates are the two main differences between the products.

At 39.9%, UK Credit’s homeowner guarantor loan is one of the cheapest on the market. It’s important to mention that the interest rate you get will be dependent on several factors including the amount borrowed and your credit status.

UK Credit were the first lender to offer a guarantor loan where the guarantor can be a tenant. Since then, several other lenders have come to the market with a similar offering.

At 69.9%, UK Credit’s tenant guarantor loan is one of the more expensive products on the market (although it does depend on how much you borrow, the more you borrow the lower the interest rate). It does however mean that those without a homeowner guarantor can now get access to larger loan amounts. Something which wasn’t readily available 5-10 years ago.


UK Credit are an established guarantor loan company

Market prominence

As we mentioned, UK Credit are one of the most established lenders in the market with over 7 years lending experience. They also boast an impressive 850+ Trust Pilot reviews, averaging 9.2 out of 10.

Their reputation is built upon professional customer service, fixed rates and no up-front fees. UK Credit are a lender that assess each application on its merit.

As a customer, you will get a personalised service from start to finish. UK Credit’s Norwich-based customer service department will aim to ensure that both yourself and your guarantor have a full understanding of the commitment you’re entering.

The only downside of this is that UK Credit’s speed of service may fall short of other lenders in the market, such as Amigo Loans and TFS.


UK Credit will consider applicants with poor credit, CCJs and defaults. If, however you’re in an IVA, Debt Management Plan or have recently been declared bankrupt they will be unable to help.

UK Credit can accept applicants who are on benefits, in unemployed or retired, although they will require proof that the loan is affordable alongside all current financial commitments.

As mentioned, your guarantor can be a homeowner or tenant. They must have a good credit history and must be between the age of 21 and 70. A guarantor can be employed, self-employed or retired, providing the monthly repayments are affordable.


Much like most lenders nowadays, UK Credit’s initial application is online. During this process, you will need to enter several details about yourself, the required loan and your guarantor. Your guarantor will then be invited to login and complete their side of the application.

Unlike several other lenders, UK Credit will need to speak with you over the phone to complete the loan. They may also require you to submit additional documentation. This could be additional proof of ID, address or income. Whilst you will be able to submit this documentation electronically, it may slow down the application process, depending on your access to the required documents.

You may be able to get a decision within a few hours, however it could take a few days for the money to hit your account, if you’re accepted.


UK Credit are a highly-experienced guarantor loan lender with an enviable reputation in the market.

Whilst their speed of service may fall short of other lenders in the market, their service is what sets them apart. Their APR is also one of the best available today.

So, if you’re looking for a personalised, professional, friendly service UK Credit will be tough to beat. You cna apply with UK Credit through us today on our guarantor loans page.

UK Credit Website

uk credit


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Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed).

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