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

See what reviewers are saying

Rated 1 out of 5 stars

They gave a loan to someone who stole my identity, which means there must have been minimal information shared. They are now unwilling to help clear this matter, giving me bad credit and unable to get... See more

Rated 1 out of 5 stars

Please AVOID at all costs! I borrowed from their sister company Fernovo and complained about irresponsible lending. They have 8 weeks to respond and i received zero reply and the 8 week timescale... See more

Rated 1 out of 5 stars

Rubbish, got a letter in aug offering comp/ redress which stated once I returned acceptance form it’ll be processed within 21days. Surprisingly they didn’t receive form. Sent me another 26 days after... See more

Rated 1 out of 5 stars

Borrowed through their brand Fernovo Having used them on several occasions and having always paid on time. I was disgusted today to note that they had placed an arrangement to pay marker on my cred... See more

Company details


Contact info

1.4

Bad

TrustScore 1.5 out of 5

38 reviews

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

How this company uses Trustpilot

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

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

They gave a loan to someone who stole…

They gave a loan to someone who stole my identity, which means there must have been minimal information shared. They are now unwilling to help clear this matter, giving me bad credit and unable to get a mortgage!! They won’t even engage in conversation.

May 29, 2025
Unprompted review
Rated 1 out of 5 stars

Even when you pay before the scheduled…

Even when you pay before the scheduled date for Fernovo and overpay against your due amounts, they will harass you and say your account is in arrears. Their customer service is abysmal, they will lie to you and frustrate you at every corner. They'll say they've done something, not do it and lie about later. They will talk over you and go round in circles even if you know they know they're in the wrong.

November 21, 2023
Unprompted review
Rated 1 out of 5 stars

Rubbish

Rubbish, got a letter in aug offering comp/ redress which stated once I returned acceptance form it’ll be processed within 21days. Surprisingly they didn’t receive form. Sent me another 26 days after first I sent it back. They recieved it 28th sep. it’s now been over 41 days and still not recieved payment. Shoulda got it 20 days ago. Email them, we are dealing with a lot of cases so it’s taking longer in capital letters NO NEED TO EMAIL US AGAIN.
Clowns

October 20, 2022
Unprompted review
Rated 1 out of 5 stars

Awful company

Awful company. The customer service this company provides is extremely poor and very unprofessional. The staff are very rude, condescending and unhelpful. Every member of their customer care team is disrespectful, uninterested and will advise you incorrect information. Avoid taking out loans with these people, as they do not want to help resolve issues, even when those issues arise because of their own errors or failings. The worst customer experience I have ever had!

October 21, 2022
Unprompted review
Rated 5 out of 5 stars

My finances changed during Covid & I…

My finances changed during Covid & I was so worried about making the initial agreed payments. I contacted customer services & they were fantastic. Reducing my payments over a longer period with genuine concern for my situation. The relief was genuine & I would consider their customer service to be five star.
Best customer service experience I have ever had. Well done.

September 18, 2021
Unprompted review
Rated 1 out of 5 stars

Don’t consider all circumstances

I don’t understand why you declined me either though you sent an email saying I was entitled to a discount and always pay on time.

I rely on you guys to help me out because I can’t go anywhere else, the decision you make to decline can have a serious repercussions especially when I am desperate for money, shame on the person who sits there looks at its preapproved application and then say no🤬

September 16, 2020
Unprompted review
Rated 1 out of 5 stars

Terrible company

Terrible company! I settled me loan in full with them EARLY yet they decline my application. It took them all of one whole minute, that is 60 seconds guys to send me my dear john email.

July 8, 2020
Unprompted review
Rated 1 out of 5 stars

Poor consistency

I have to be honest . Better rates than most and they gave me two loans , despite my poor credit. Now to explain the one star. I repaid both loans and never missed a payment , my credit should be repairing , but they turned me down for a third. No idea why they would give me two loans that I repaid in full , without a single missed payment and not a third .

June 17, 2020
Unprompted review
Rated 5 out of 5 stars

High quality

Been there when i needed them unlike others never refuse if bad credit. Quick easy highly recommend if bad credit and refused elsewhere. Also low Apr compared to others .

May 16, 2020
Unprompted review
Rated 5 out of 5 stars

Excellent

Helped last minute during Christmas, have paid off my loan early no issues all done online did not have to talk to anyone. I have really bad credit score by the way

January 29, 2020
Unprompted review
Rated 1 out of 5 stars

They ignore you

Awful customer service - have not responded to a complaint made 9 weeks ago, I keep receiving a generic response “we have escalated to the relevant department” .... complaint is now with FOS - Happy to discuss if anyone from the company cares to respond.

January 11, 2020
Unprompted review
Rated 1 out of 5 stars

Incompetent staff and poorly run

They are beyond incompetent to the point of being mismanaged. I have complained to the FCA about them.
They are impossible to contact either by phone or email as they just don’t respond. They have incorrect details on file. They make decisions in absentia of any evidence.
Avoid at all costs.

September 22, 2019
Unprompted review
Rated 5 out of 5 stars

Have had 3 loans with them and haven't…

Have had 3 loans with them and haven't found an issue at all.
I haven't got the greatest credit file due to another company mixing things up with someone else's file but fernovo have been amazing payments made and taken on time funds always sent within an hour.
The app is glitch sometimes and I've had to reset password a few times but can't fault the company so I don't care.
Fantastic customer service from helpful staff too I've never had any issues but then I pay on time every time or I pay it off early so I won't have issues maybe that's some other people's issues hence their bad feedback...

September 2, 2019
Unprompted review
Rated 1 out of 5 stars

incompetent and inefficient

Borrowed through their brand Fernovo

Having used them on several occasions and having always paid on time. I was disgusted today to note that they had placed an arrangement to pay marker on my credit file. I am disgusted as this has ruined my credit rating.

August 16, 2019
Unprompted review
Rated 1 out of 5 stars

be careful of these sharks had a loan…

be careful of these sharks had a loan with them the schedule of repayments was agreed however over the 3 months they took extra money on each payment, e mails have gone unanswered when I log in to my account and click on the contact us button nothing happens obviously frozen out the only way forward now is via the FCA do not touch with a barge pole safer to borrow from the bloke down the pub

June 27, 2019
Unprompted review

Is this your company?

Claim your profile to access Trustpilot’s free business tools and connect with customers.

Get free account

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