Premium Credit Reviews 

118,206
TrustScore 4.5 out of 5

4.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 16,575 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently found the process simple, quick, and easy, appreciating the efficiency and straightforward setup. Many people praised the excellent service provided, highlighting its reliability and comprehensive support. Reviewers frequently noted the staff and advisors were professional, friendly, and very helpful, offering clear explanations. However, some customers noted difficulties with the digital interface, including issues with signing documents on mobile or encountering overwhelming legal information. A few others also mentioned communication challenges, such as long wait times for agents or problems with email and chat support.

What people talk about most

User experience

Consumers find the user experience to be positive, highlighting that the entire process is simple,... See more

Service

Customers consistently note positive experiences with service, often highlighting its ease of use,... See more

Staff

People report positive experiences with staff, highlighting their professionalism, friendliness, and... See more

Website

Reviewers mention ambiguous feedback about the website, with many customers finding it easy to navigate, use,... See more

Customer service

Customers had positive experiences with customer service, often praising agents for being helpful, patient,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Devitt insurance was able to meet my every need for this transition. Premium Credit were then able to put my premium payments into effect. The process was so simple !

Rated 5 out of 5 stars

You provide an excellent service to help ensure monthly payments are made so we have the correct cover & assurance. Thank you.

Rated 5 out of 5 stars

Clicked on the link and everything worked perfectly. Congratulate your IT department please and thanks,Premium Credit for your timely contact.

Rated 4 out of 5 stars

Efficient and non-time consuming. Details as clear as possible, and accessible. Ample opportunities to consult or question details with Premium Credit. Transparent about services provided and... See more


Company details

  1. Financial Institution

Written by the company

Whether it's for personal or business use, insurance is essential for most of us. Since 1988, we have helped millions of businesses and individuals pay for their insurance by spreading the costs over regular instalments, instead of paying the whole premium up front. But that’s not all. We also provide the finance to pay annual costs such as professional fees, membership subscriptions, commercial service charges and school fees. Today, we have over 2.1 million customers using our service and technology to process 24 million Direct Debits and fund advances of £3.6 billion. That's why we're the number one insurance premium finance company in the UK and Ireland. Headquartered in Leatherhead and Dublin we employ over 350 colleagues, including field-based employees providing local coverage across the whole of the UK and Ireland


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

118K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(118,206)

15,722 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

Signed up no date given for direct…

Signed up no date given for direct debit then charged admin fee on top . Definitely will not use next year , guess I'm trapped this time . Buyers beware extremely high charges

July 11, 2026
Premium Credit logo

Reply from Premium Credit

Good Morning, thank you for your feedback. Please be advised our default charges are explained in our credit agreements. Should you require any further assistance, please contact us via our online portal http://help.premiumcredit.com/Setting-Up-My-Agreement/Registering-online/50277754/How-do-I-register-online.htm. Many thanks.

Rated 3 out of 5 stars

Too complex and not worth the hassle…

Plenty of communication but totally over complicated for a non trained customer to comprehend. Not worth the hassle of ploughing through tedious and repetitive documents. I keep signing up to this each year, forgetting that I'm paying extra for this - I must remember next year to pay up front for the insurance.

July 11, 2026
Rated 1 out of 5 stars

Talked to someone on the phone and they…

Talked to someone on the phone and they were so miserable and mumbling a lot and took ages to answer the phone

July 10, 2026
Premium Credit logo

Reply from Premium Credit

Good Morning, we are very sorry to hear of your disappointment with our systems. Your feedback shall be shared with our technical teams to drive change and improvement. Our dedicated team can be contacted by Tel: 0344 7369820, however we are currently experiencing high call volumes. Alternatively, please contact us via our online portal http://help.premiumcredit.com/Setting-Up-My-Agreement/Registering-online/50277754/How-do-I-register-online.htm Kind regards.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look