Based in Norwich, we first opened our doors in 2010 and have continued to grow ever since. Even though the team (and our loan book) is bigger, our goal has remained the same: to provide affordable, flexible loans to people who may have a less than perfect credit history and cannot secure the money they need through high-street banks.
As a responsible lender, we carry out a full affordability assessment to make sure the loan repayments are affordable to both the Borrower and their Guarantor, alongside their other financial commitments.
At UK Credit, we put our customers first and strive to meet four fundamental principles:
Our customers are our top priority. We aim to get enough information to help us understand the unique situation and needs of each customer.
Our staff are trained and well-informed about our principles and practices to ensure we give our customers the best service and guidance possible.
We treat our customers as we would like to be treated and don’t adopt a ‘one size fits all’ approach. We aim to ensure the best possible outcome for our customers based on their own individual circumstances.
We use every communication as a means to learn and adapt our methods so that we can continually improve our customer service.
We are authorised and regulated by the Financial Conduct Authority (Ref: 721556), who regulate all authorised lenders in the UK. We are also a member of the Finance & Leasing Association (FLA), the leading trade body for consumer finance in the UK, and the largest organisation of its kind in Europe. As a member, we are required to comply with the requirements of the FLA Lending Code.