We'll never charge you an upfront fee
One of our principles as one of the UK's best loved guarantor lenders is that we'll never ask our customers for any upfront payment. We are aware some companies do. We're also aware some entities try to imitate us, but when they charge fees it's not good for our reputation and, more importantly, it's not good for our customers.

What to do if you have concerns
If you suspect you are dealing with a firm that's charging upfront fees and pretending to be us, our advice would be to simply stop dealing with them.

Contact UK Credit directly on 01603 828 828 and we will talk through the loan process with you, without charging you.

For further peace of mind, it's worth knowing that we are authorised & regulated by the Financial Conduct Authority and are members of the Finance & Leasing Association. Like us, both of these organisations have the ongoing protection and well–being of customers at their heart.

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Call our team

01603 828 828

8 - 8 MON-THURS / 8 - 6 FRI / 10 - 1 SAT




If you haven't heard of guarantor loans before, just look at them as a way of borrowing the money that you need, with a little help from someone you trust.

We are rated 5 stars on TrustPilot – We're trusted too! When you apply for a loan with us, you will need a ‘guarantor’, who will be there to step in and pay your monthly repayments if you can’t. Your guarantor, who can be a friend, partner, family member, or colleague and will act as ‘back-up‘. We see it as trust-based lending – if your guarantor trusts you enough to support your application, we will too.Our guarantor loans can be tailored to your individual needs and circumstances, just like a normal bank loan. You can apply for anywhere from £1,000 to £7,500 over a repayment period of 1 to 5 years, and benefit from a competitive APR. Don’t hesitate to get in touch and apply if you are looking for a flexible, affordable loan – even if you have less-than-perfect credit or no credit history at all, we could help you get the money that you need, in your hand, with a trust-based guarantor loan.

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Why should you choose UK Credit to get your guarantor loan?



  • We're a team of experts working for you
  • We're flexible around your circumstances
  • We're happy to answer any questions you may have
  • We're trusted by our huge customer base


UK Credit are always ready to lend a helping hand. Find out more