About UK Credit

Established in 2009, UK Credit are a direct lender who provide homeowner guarantor loans of £3,000 to £20,000, with terms of between 36 and 120 months. They accept less than perfect credit history, though will ensure that they’re lending responsibly by checking that the loan is affordable for both the borrower and the guarantor.

In terms of interest rates, UK Credit’s advertised Representative APR is 31.9%, but this may change based on how much you borrow and your individual circumstances. There are no upfront fees, and you’d be paying a fixed interest rate for the entire duration of the loan.

Last Updated: September 2023

Why Apply Through My Financial Broker?

• Save Time: We can save you time comparing short term lenders and checking to see whether you meet their advertised lending criteria. Our application process is also short and simple, with no need to speak to anyone over the phone or send any details across.

• High Approval Rates: You may be hesitant to apply for a new loan if you’ve been turned down previously. But no two lenders will have exactly the same lending requirements, so even if you have bad credit, we may still be able to help you find a suitable lender.

• Flexible Options: Short term loans come with a lot of flexibility – you should be able to choose your loan amount, the dates of repayment and the loan terms, all before even signing the loan agreement.