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UK Credit

UK Credit is a UK-based lender that offers personal loans to individuals. The company started operations in 1998 and has since grown to become one of the leading financial institutions in the UK.

UK Credit Limited previously offered unsecured personal loans for up to £25,000, which could be repaid over a period of up to five years. However, the company has since streamlined its lending options to offer only secured loans, which means that borrowers are required to provide collateral such as their homes or cars to secure the loan.

The secured loans offered by UK Credit Limited range from £3,000 to £15,000 and can be repaid over a period of up to three years. This type of loan is ideal for individuals who do not have a good credit history and are looking for a way to secure a loan that they can repay at a comfortable rate. UK Credit Limited's interest rates for secured loans are higher than those offered by other lenders, with rates ranging from 23.9% to 89.9% APR.

Compared to other lenders in the UK, UK Credit Limited's interest rates are significantly higher, particularly for those with a poor credit history. However, the company prides itself on being able to help individuals who may have been turned down by other financial institutions due to their credit score.

The application process for UK Credit Limited loans is straightforward, with borrowers required to provide details of their income and expenses, as well as details of the collateral they are providing. The company offers a fixed interest rate, which means that borrowers know exactly how much they will need to repay each month.

UK Credit Limited is a reputable lender in the UK that provides secured personal loans to individuals who may have been turned down by other financial institutions. While the company's interest rates are higher than those of other lenders, it is worth considering for those who require a loan but have a poor credit history.

In terms of financials, UK Credit is a profitable company that has been able to grow its revenue consistently over the years. The company's financial statements show that it has been able to maintain a healthy profit margin, indicating that it is a well-managed business.

When it comes to customer service, UK Credit has received mixed reviews from customers. While some customers have praised the company's professionalism and helpfulness, there have also been complaints about the company's customer service. Many customers have complained about the lengthy approval process, high-interest rates, and poor communication from the company.

UK Credit is regulated by the Financial Conduct Authority (FCA) and is a member of the Financial Ombudsman Service (FOS). This means that if a customer has a complaint against the company, they can take the issue to the FOS for resolution.

In terms of FOS complaints, UK Credit has had a few complaints filed against it in recent years. However, the number of complaints is relatively low compared to other lenders in the UK. The company has been able to address the complaints filed against it, and in some cases, it has provided compensation to affected customers.


Overall, UK Credit is a well-established lender that has been able to maintain a strong financial position. While the company has received mixed reviews from customers, it appears to be addressing any concerns raised by its customers. The fact that the company is regulated by the FCA and is a member of the FOS provides customers with some protection in case of any disputes.