Delivering Happiness
Helping you achieve your financial goals isn’t just what we do—it’s why we do it.
Seeing you simplify your finances and feel more in control? That’s what gets us up in the morning.
Up to 50% lower costs than all other major brokers
Winner: Specialist Broker of the Year
Real Debt Consolidation Reviews & Stories
Real Results, Real Smiles
Read these and 1,000s of other reviews live online at:
Anon
“Wow! I have slept easy for the first time in years! Loan.co.uk have been amazing from the first enquiry.
Sophie was our first contact who went through our situation and then explained options. Then we were passed to Stacey who has managed our case and has been fantastic. She has guided us through a very daunting process of debt consolidation / secured loan and has been reassuring at every point. Both were super efficient at responding to emails and queries.
Our monthly outgoing has gone from about £1800 (and rising due to interest) to £759. Absolutely, 100% recommend.”
VERIFIED REVIEW
Charles
“There is no room for improvement! I defy anyone to do a better job at sorting a loan as these people!
Due to interest rate rises I decided in to looking at replacing an existing secured loan with another, I am now paying £300 less a month over a shorter period!
Painless from start to finish completed in under 2 weeks.
Don’t let lenders mug you off use loan.co.uk and they will see you alright!”
VERIFIED REVIEW
Adam P
“Fantastic customer service– Lucy kept me updated throughout the process, found a suitable lender and proactively helped tailor my consolidation request to meet the lenders requirements in order for the loan to be approved.
As a result my monthly payments have reduced by c. £1k a month into one consolidated payment which will make paying off over the term much more manageable!”
VERIFIED REVIEW
Victoria
“I have been blown away with the customer service and speed at which my application has progressed. 8 days in total including the weekend!
Aaron and Jemma are absolute assets to this company, with their prompt replies and excellent sense of humour and friendly nature.
Their knowledge of the market is second to none. I now have piece of mind with a competitive rate and much more manageable monthly payments with no penalties for over paying too! Would definitely recommend this company to anyone looking for a loan. Well done guys!”
VERIFIED REVIEW
Anonymous
“Thank you loan.co.uk Amazing service From the very first call so helpful no judgement just help and sound advice despite difficult questions around debt consolidation but just helped every step of the way and found a great lender saving over £800 a month ! and at a very. competitive rate.
Once agreed was assigned a case manager Danielle who again was really helpful and talked us through everything nothing was to much trouble just on the end of the phone.
In summary saw the advert on line and was worried what they would think having to consolidate debt, Could not have been more wrong this has made a huge impact on our lives and feel we can move on and without their help we don’t feel that was possible Thank you loan .Co.uk”
VERIFIED REVIEW
Luke
“Came across Loan.co.uk after being rejected from a high street lender for a debt consolidation / home improvement loan, the entire team were fantastic, Carl initially took all my details and financial situation on the Friday afternoon, passed me on to Lucy who is just an amazing financial advisor, kept me up to date with the entire process via texts, emails and phone calls, nothing was too much trouble and reassured me throughout the process.
Fast forward 2 weeks and we’ve now paid off all our credit cards / loans and have a complete financial life reset. Really appreciate all you’ve done and highly recommend loan.co.uk to anyone who needs their services.”
VERIFIED REVIEW
Mr S
“Made a few phone calls told them my problems and issues with high interest credits card debt, sat back and they did the rest.
Lucy my advisor kept in touch daily till loan was settled and debt was consolidated , about 2 weeks all in stress free and now I’m paying 67% less each month ….thank you”
VERIFIED REVIEW
Neil
“Great service with great communication throughout the process with Lauren. All debts have been consolidated and paid direct to lenders saving us the hassle, enough money left to complete home improvements.”
VERIFIED REVIEW
Anonymous
“It has been a pleasure working with this company we have communicated via email for most of the process and they have been clear and upfront about everything.
Debts have been consolodated saving me over £400 a month and home improvements can be done. Thankyou”
VERIFIED REVIEW
Mr Nelson
“Absolutely fantastic from start to finish , my case was a tad complicated , a remortgage and debt consolidation, I got great advice , everything was explained in plain language , even after they got me my fixed offer , they still kept in touch , so they keep an eye on not just the lender but the lawyer too which in turn gave me a smooth experience …..
well done and big shout out to Andrew ( who I’ll phone personally for the great service)”
VERIFIED REVIEW
Andi
“What an amazing team of professionals. I have been a long standing mortgage customer of a well known bank and was struggling to achieve more borrowing to consolidate debts even with a healthy loan to value ratio. One phone call to loan.co.uk and smooth sailing all the way.
Delightful friendly people who appear to love their work, understand that they are there to help you, find solutions and make things happen without any sense of judgement over your previous financial choices. I have saved over £600 per month and have been able to pay off all credit cards and overdraft, protect my income, plus have money for new windows, doors, and cladding.
The communication of progress gave me so much confidence in them. If they keep this standard of customer service up I will never go anywhere else. Special thanks to Ian, Andrew, Rob and Charlotte and the legal/conveyancing team.”
VERIFIED REVIEW
Anonymous
“Loan.co.uk have provided the best customer service I have had off any company.
Less than two weeks it has taken from my first enquiry to completion. All debts have been consolidated and paid direct to lenders saving us the hassle, enough money left to complete home improvements and reduced outgoings by 700 pound a month. Special mention or Sariah who has been on it everyday, chasing documents and updating us every step of the way.
Thank You so much and would highly recommend to anyone.”
VERIFIED REVIEW
Nathan
“Loan.co.uk were brilliant.
I knew I needed to consolidate my debts so I was paying less per month, but Scott and Jamie helped me pick the right solution for me. Kayleigh then arranged the paperwork and was easily contactable if I had any problems.
They are a terrific team and I highly recommend them.”
VERIFIED REVIEW
Toms
“Securing a loan through loan.co.uk was a game-changer for me.
Facing challenges with debt consolidation via remortgaging, I turned to them. The process was impressively fast and efficient. Special thanks to Sophie and Lauren for their invaluable assistance.
Once all paperwork was in, I had the loan credited in just 24 hours. Highly recommended!”
VERIFIED REVIEW
Gavin
“Customer service was great Natalie was so helpful and lidtened to what I wanted and was quick at getting everything sorted and everything I asked for into the loan allowing all existing debt to be cleared into 1 affordable monthly payment.
Everything was explained clear and simple from the case handler Kym who always got back to me with any queries I had straight away the service was also fast and efficient would highly recommend Loan.co.uk to anyone looking for a loan.”
VERIFIED REVIEW
Anonymous
“Friendly, fast service, with a great result. Lauren kept in touch throughout and the process was quite straightforward. Consolidating our debts will make life a lot easier moving forward.”
VERIFIED REVIEW
Nick M
“Brilliant service from start to finish. Very supportive, consultative and managed to consolidate my debt with a loan in less than a month. The staff are progressional, courteous, quick to reply and seem sincere in their desire to help no matter. Great job – huge shout out to James and David, you guys were fab. Highly recommend.”
VERIFIED REVIEW
Anonymous
“I was looking to get a personal loan to consolidate my debts but despite having a good credit score, I was offered a rate of 26%! I then thought I’d look at a secured loan, especially as there is an option to over pay and to settle early at a very little cost. The whole process from applying to completing took one week, which I was not expecting and the rate was much better than I could have hoped. The customer service has been brilliant and I read constantly updated on my application. I would highly recommend Loan.co.uk”
VERIFIED REVIEW
Anonymous
“I can’t explain how much lee and Lauren from loans.co.uk helped me. I needed to consolidate debt. And their help , professionalism, and efficiency made the process simple and less stressful. They explained everything I needed to do and told me all the information I would require. They were easy to contact through the phone and email and were both always really helpful. I honestly can’t thank them enough for there service and would highly recommend this company to anyone. Once again Lee and Lauren thank you so much !!!!!”
VERIFIED REVIEW
Julie
“First class service from start to finish. We got a debt consolidation loan and it was the best thing we have done as now we have so much money over each month so we can now have a life again. I was dealing with Faye and Lauren both were so friendly and made every step of the process so easy and it was all pretty quick. They both were so helpful and certainly well clued up. Amazing service. Thanks ladies for all your support xx”
VERIFIED REVIEW
Ruth
“Excellent service from start to finish. I was fully informed at all times, never left hanging for updates. Anna (and Darryl) did all the hard work and have saved me £1,000 p/m by helping me to consolidate my debt. A substantial weight off my shoulders and huge thanks to Anna and her team. I would certainly recommend you.”
VERIFIED REVIEW
Steph Pepper
“Despite our bad credit and previous debts the fees and rates were very reasonale. We spoke to Natalie nearly daily at some point and nothing was ever too much trouble. From start to finish she was friendly, approachable and replied quickly to any requests. We cannot thank you enough! You’ve help us stress less, combine our debts and be financially better off. Thank you again. 5* service although you deserve 10*!!”
VERIFIED REVIEW
Katrina
“We were so stressed worrying about what we were going to do financially. We were straight away put at ease and we were able to consolidate our debt, the process was very easy. Loan completed and funds released within 10 days.”
VERIFIED REVIEW
Wendy
“Five stars to an amazing company! Alanah and her colleagues have been absolutely amazing! So friendly understanding and professional in the whole process. This has taken just 2 weeks and has reduced so much stress for us. Thank you again! Anybody thinking of consolidating debt or making home improvements using equity in your property should use this company.”
VERIFIED REVIEW
Samantha
“I can’t recommend this company enough – fast acting , professional – 2nd mortgage has definitely given me some financial freedom back as I consolidated debt”
VERIFIED REVIEW
Donna
“Wow !! If I could give this company 10 stars I would 🤩 initially had a call with Terence, he was amazing. He found me the best deal for debt consolidation. I was paying over £1200 a month for credit card and loan debt. He found a deal which over means I’m now paying less than £500 a month !!! Jemma was my case manager, she too was amazing, helped me gather all the info I needed through to completion. The whole process took about two weeks and I got the funds the same day. Absolutely amazing people and I’m so glad I made the initial enquiry. They have changed my life and I’m very grateful for their help. Would highly recommend 😊 x”
VERIFIED REVIEW
Lisa
“Extremely efficient and sound advice given. I had felt a bit embarrassed about getting myself into a situation and everything was dealt with respect and efficiency . I would highly recommend loan.co.uk to anyone who feels slightly out of their depth regarding financial debt .”
VERIFIED REVIEW
MC
“I was stressed about my debt, loan.co.uk made each step easy and kept me informed. They processed my application quickly to find me the best deal to suit my needs. The staff was very helpful and polite. Everything was completed within 3 weeks.”
VERIFIED REVIEW
David
“Very quick and efficient process from start to finish. Our dedicated case handler, Sophie, was great and kept us in the loop every step of the way.
Whole process has saved my family over £600 per month”
VERIFIED REVIEW
Alun Gibbs
“I got into debt caused by the fallout from a divorce where credit cards interest rates made it impossible to pay off the debts quickly enough and my income was getting eaten up in servicing those debts. On explaining my situation to Loans.co.uk I was provided with a workable solution with a very short time. Customer service was exception at a very stressful time.”
VERIFIED REVIEW
Melinda
“Thank you Loan : ) what a great service from start to finish. Made the whole process easy and stress free.
I came to Loan 3 weeks ago so I could consolidate my credit cards. I wanted one easy payment so I can pay off my credit card debt in order to start saving and planning for my pension. Yes this is many years away but Im a planner and Loan has now enabled me to do this.
From submitting my initial enquiry to the calls I received’ the company was non intrusive’ caring and understanding. They explained everything super clear. Not once did I have to chase them for an update’ they were always on hand. Thank you Loan and Lisa for helping me. A great company that deserves the 5 stars 🌟”
VERIFIED REVIEW
Alex
“Thank you loan.co.uk, in particular this goes to Matthew and Lauren for the advice and handling my secured loan application. It’s all finalised now and it’s been a total life changer for me. Thanks to Matthews advice I have now consolidated my debts and have been sleeping so much better at night since, because securing a loan has relieved so much pressure and anxiety. I honestly thought my only option was to go for a Debt Management Plan Matthew reassured me my situation was far from hopeless and was confident he could help, and he did! My experience has been nothing but pleasant all round. They are a lovely helpful team. Very responsive and willing to help and explain anything. Thanks again!”
VERIFIED REVIEW
Carron Ellis
“If I could give Lisa Vipond a 10 star rating I would do. I initially thought we were a hopeless case to get our finances sorted but 16 days from my first phone call to Loan.co.uk a second charge mortgage was completed. Lisa is a very genuine and honest lady and clearly loves her work with a passion. For someone, to make you feel like you are the only person they are working to help during the whole two weeks is priceless and that sort of genuine compassion just cannot be bought or taught. Talking about debt is difficult but Lisa wasn’t fazed about anything and from that first conversation I felt a huge weight lifted and so positive there was a way back. There are no words that justify the thanks for your help Lisa.”
VERIFIED REVIEW
We’re delighted to be recognised by
industry peers and the Fintech industry
Winner: Specialist Broker of the Year
Winner: Secured Loan Broker of the Year
Winner: What Mortgage Awards
Finalist: UK FinTech Awards
As featured in
Your easy, 3-step journey to the Ideal loan
Finding the right loan can feel overwhelming! Let Albot, our friendly AI helper, be your guide. Albot will compare loans from top lenders in seconds, finding the best rates for your needs. It’s simple, stress-free, totally secure and won’t to affect your credit score.
Apply now and let ALBOT work its magic!
1. Fast Online Application: Our chat application takes the pain out of loan searching. No paperwork, no credit score worries.
2. AI-Powered Matchmaking: Albot, instantly compares thousands of loans to find your perfect match, at the best possible rate.
3. Relax! Let us do the heavy lifting. Just sit back until your Second Charge Mortgage arrives.
Up to 50% lower costs than all other major brokers
Voted: Second Charge Broker of the Year