UK Credit Loans

  • Borrow £5,000 to £20,000
  • Interest rates from 19.9%
  • Rates are fixed
  • No upfront fees
  • 10+ years in guarantor loans
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UK Credit logo

About UK Credit

UK Credit is one of the leading brands in the UK guarantor loan market. They have grown steadily since they started in 2009. For a few years, they were one of just three lenders – the others being Amigo and TFS Loans. They are well respected and earn good reviews from borrowers. In 2020 they revised their guarantor loan product to focus only on homeowner borrowers and guarantors. While this reduces their appeal for many it does mean that they are now able to offer up to £20,000 at rates as low as 19.9% APR.

Loan Summary:

Representative APR Loan Term (months) Loan Amount (£)
29.9% 36 – 84 5,000 – 20,000

Both applicant and guarantor must be homeowners.

Lender Ratings:

UK Credit scores 4.5 out of 5 based on 1,500 reviews on TrustPilot. This score puts UK Credit slightly lower down the rating spectrum than the typical guarantor loan lender. Rate and review them now.

Compare UK Credit to Others

For clarity here are the key differences of UK Credit to the “typical” or “average” guarantor loan lender:


  • The maximum loan size is £20,000 which is the largest of any lender.
  • The rate of 19.9% is the lowest rate for a guarantor loan in the UK.
  • Full online account management is available, unlike some other lenders.
  • The online application process is relatively fast.


  • Both the applicant and guarantor need to be homeowners.
  • There is no longer a non-homeowner option.
  • The minimum loan amount is now £5,000.
  • The minimum loan period has increased to 36 months.
  • The average customer rating is marginally lower.

The removal of a non-homeowner option (both borrower and guarantor) will make the UK Credit offering much more niche. While the shortest borrowing period is now 36 months this is most probably because the minimum loan amount has been increased from £2,000 to £5,000.

UK Credit’s Representative Example

Borrow £8,000 for 60 months. Representative 29.9% APR fixed. Monthly payment £241.65. Interest payable £6,499. Total repayable £14,499.

We’ll Find Your Loan

Why trudge from one lender website to the next when Solution Loans can find you the cheapest deals instantly? It’s simple to see why using our comparison service makes sense:

  • We’re free to use and there’s no obligation!
  • We have the widest choice of UK lenders
  • An enquiry typically generates 3 to 4 loan offers (in principle)
  • Our form takes just 60 seconds to complete
  • It’s quick and easy to compare lender offers
  • The same deals as going direct, but quicker!
  • Instantly complete your chosen loan(s)
  • Sign your loan agreement online to get the funds fast

Get Your Loan Choices

How to find UK Credit

Office Address:

St Crispin’s House, Duke Street, Norwich, Norfolk, NR3 1PD

Office Hours:

Mon – Fri: 08.00 – 20.00

Sat: 09.00 – 13.00

Important Links:

Company Information

Company Registration

UK Credit Ltd is registered at St. Crispin’s House, Duke Street, Norwich, NR3 1PD. Company registration number 06929807.

FCA Registration

UK Credit is authorised and regulated by the Financial Conduct Authority with firm reference number 721556.

ICO Data Protection Registration

UK credit Ltd is registered with Information Commissioner, registration number Z2022318.

News about UK Credit

When there is news it will appear here.

Guarantor Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

FAQs about UK Credit

Does UK Credit need my guarantor to own their home?

It used to be the case that UK Credit offered a non-homeowner loan product (where the applicant and/or the guarantor could be guarantors). However, during 2020 they have revised their offering. Now both the borrower and the guarantor must own their homes.

If this is a problem then we do have access to lenders who will work with non-homeowners. To find out which lender can help please complete our enquiry form.

Does UK Credit charge a variable interest rate?

No, UK Credit’s interest rate is fixed for the duration of the loan, which can be up to seven years. This is good to know because it means you can budget with confidence. Even if general interest rates rise you won’t suffer from any increase in your monthly repayments.

What is UK Credit's APR%?

The APR varies as follows:

  • £5,000 – £9,500: 29.9% fixed
  • £10,000 – £14,500: 26.9% fixed
  • £15,000 – £19,500: 23.9% fixed
  • £20,000: 19.9% fixed

To benefit from these low rates both the borrower and the guarantor need to own their homes.

How do I repay UK Credit?

Most borrowers make their monthly repayments using direct debit. But UK Credit also make provision for standing orders, bank transfers and indeed cheques. The amount you repay will be specified by UK Credit before you sign any agreement. You can estimate your repayments using our calculator (representative 39.9% APR) but don’t forget that the UK Credit rates work on a sliding basis – you may pay a higher or lower rate than this depending on your loan amount. If your monthly payment fails then UK Credit will always get in touch to help resolve the problem.

What if I can't repay my UK Credit loan?

As with debt of any kind the first thing to do, if you are beginning to struggle with payments, is to contact UK Credit. They are duty-bound to help look at alternative ways to ease your repayments and make them affordable. You do need to keep in mind though that you have signed an agreement with UK Credit. If they cannot contact you then they will contact your guarantor to help settle your account.

How will being a guarantor for a UK Credit loan affect me?

When the loan application is being assessed your credit file will be “soft searched” – this means no footprint is left. This is simply to ensure you are creditworthy and to check your identity. But once the agreement is signed and the borrower starts to make their monthly repayments you should hear nothing from UK Credit. However, if the borrower is struggling to make payments and then fails to keep in touch with UK Credit or defaults then you will be needed to step in. Only if you, as the guarantor, have a CCJ obtained against you by UK Credit because you fail to help bring the loan up to date will your credit file be affected.

You can read more about being a guarantor.

Can my UK Credit loan be paid off early?

Yes, you can make overpayments or pay off the entire loan early. When you make an overpayment (maximum 3x your monthly payment) it will reduce the duration of your loan and the amount of interest you pay in the long run. When you want to pay off the whole loan early you must first get a settlement figure. Paying off early could save you significant amounts of interest.

How fast can UK Credit approve and payout my loan?

UK Credit is coy about how fast things will move following an application. They claim they have made the application as slick as is possible. Any delays in processing your application will be due to needing a phone conversation or copies of documentation. Equally, if your guarantor is not accepted then there will be a delay while you find another. Once your loan is approved the money is transferred to your guarantor’s account who then passes it to you. Money is paid via your guarantor as part of anti-fraud processes.

What's the best way for me to get a UK Credit loan?

Well, UK Credit is one of many lenders now available. Our free enquiry service can instantly tell which of the many lenders we work with could lend to you in principle – and many of these other lenders have competitive offerings to UK Credit’s. If you’d like to maximise your chances of a guarantor loan then use our enquiry service – no fees, and exactly the same deals as going direct!

Who can be my guarantor for a UK Credit loan?

Typically you need to find someone who knows you well enough for them to trust you – this is a form of “trust-based” lending. So with this in mind your ideal guarantor is likely to be: Parents, Brothers & Sisters – Aunts & Uncles – Sons & Daughters – Grandparents – Boyfriend or Girlfriend – Work Colleagues & Friends. Typically lenders are not prepared to accept guarantors who are already financially linked to the borrower. However, UK Credit will accept a guarantor and applicant to be financially linked. So, a spouse or partner is fine.

UK Credit specific criteria for a guarantor are as follows:

  • A homeowner, either with a mortgage or not
  • Aged at least 25 at the start and no more than 70 at the end of the loan term
  • Employed, retired or on certain benefits – i.e. their income does not need to be earned income.
  • Have been a UK resident for at least three years


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For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.

OUR REPUTATION Guarantor Loans


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Our reputation is great. In fact we have scored 4.6 out of 5 based on 198 ratings & 31 user reviews for our guarantor loans service.


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Written/Reviewed by: Amanda Gillam

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