Premium Credit Reviews 

118,206
TrustScore 4.5 out of 5

4.5

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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

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4.5

All reviews

(118,206)

15,722 reviews in the last 12 months

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Rated 1 out of 5 stars

Hard credit search performed against me for vehicle insurance not impressed

If I knew premium credit was going perform a hard credit search on me for vehicle insurance when i have my mortgage renewal coming up.that has affected my credit score i would have never used ripe insurance or maybe if I was warned I would have paid the premium in full rather than perform a hard credit search against me.

July 10, 2026
Premium Credit logo

Reply from Premium Credit

Good Morning, thank you for your feedback. We are sorry to hear that you are unhappy. When purchasing your insurance and selecting pay monthly you are entering into a Credit Agreement. As responsible lenders we are required by the FCA to complete credit searches to verify customer identity and check affordability. Should you require further information 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.

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