Amigo Loan Reviews

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★★★★☆
4.3 / 5
926
86% of users recommend this
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  • Speed of Application

  • Customer Service

  • Value For Money

Comment from Review Centre

Note from Review Centre.

As of 19th March 2012 FLM Loans has changed its name to Amigo Loans.
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★★★★★

“efficient and well mannered”

Written on: by 377Emery (1 review written)

i would just like to say this is the third loan i have taken out with amigo ,i have always been dealt with in the most polite and well mannered way yhe advisor he spoke to me with respect and put me right about a few things i did not know about ,i must say that i like the way advisor spoke to me in a polite and professional manner. just like to say thank you barry … Read Full Review

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★★★★★

“easy friendly helpful ”

Written on: by Baird381 (1 review written)

this is the third time i have used Amigo and i can't fault them at all there helpful and fast the issue i do have is it being paid into the garantors account but i completely understand why it is done. Other people complaining are because they didn't make the payments so you would expect a company investing thousands into people wanting there money back. clue is just pay… Read Full Review

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★★★★★

“Quick, helpful and Friendly”

Written on: by McDonaghN (1 review written)

From first applying for the loan I wasn't 100% I was going to take it out and waited a few days before taking any further action. I didn't get any harassing calls or texts, just 1 text and 1 email in the space of 3 days reminding me what my reference number was incase I wanted to continue. Upon speaking too them and getting it approved from my side, they kept me updated by text with how it was going with my guarantor and also text me when everything had been completed and that the money was on… Read Full Review

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★★★★★

“NOT A RIP OFF”

Written on: by SabrinaRandall (1 review written)

When I recieved a text from the boss of AMIGO loans, I was quite surprised. He introduced himself and was so polite and he sounded very sindcere and honest, it felt as if he must have really been in my situation at some time in his life, and it felt like he actually did understand. I checked out their help menues and questions and answers, and I found it straight forward, easy to workout how much I would have to pay back and the interest rates were sensible. All the small print did not seem… Read Full Review

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★★★★★

“The help from the Staff”

Written on:

I Gentleman I talked to on the phone could not have been more helpful if he tried. It was a pleasure to do business with them. Not much more I can say… Read Full Review

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★★★★★

“A brilliant inovatiion”

Written on: by Willoughbyvw26 (1 review written)

Everything amigo promises they do nice and friendly staff and very helpful we'll done and thank you… Read Full Review

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★☆☆☆☆

“AVOID!!!!!!!”

Written on: by GiannaHoward268 (1 review written)

Looks like these are unsecured loans, not if you're the Amigo/Guarantor. This despicable company will do the following if the person you are acting as guarantor for doesn't pay. They contact the Land Registry & register a valid interest in your property due to money owed to them. How does this affect you. If you decide to sell your property, say you are moving house, you won't be able to due to there being a debt attached to your property. Even if the person you are acting as guarantor for… Read Full Review

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Amigoloans's Comment

Written on:

Hi there,

My name’s Scott, I work at Amigo, and I wanted to reply to your review, as one of the points you’ve made isn’t quite accurate and doesn't tell the whole story.

Firstly, you’re right that if a borrower doesn't pay back their loan we do ask the guarantor to. That's how we work and it's how we can offer loans at 100th of the APR of payday loans, which are usually the only other option our customers have.

We make it super clear before anyone agrees to being a guarantor what they are doing and what their responsibilities are. We have a discussion with every guarantor to ensure they understand what being a guarantor means and they also sign agreements to confirm they understand and accept their responsibility for the loan.

You mention that if the borrower doesn’t pay, we contact the Land Registry to place a charging order on the guarantor’s property, but this isn’t the whole story. Firstly, this would only ever happen if both the borrower and guarantor did not pay, after us contacting them, as agreed before the loan was paid out. Both the borrower and guarantor would need to refuse to make the payments they had agreed to make, for it to get this far. We would never ask anyone to do anything that they hadn’t agreed to.

This is always the absolute last resort and usually only when the applicant and guarantor are refusing to accept responsibility for the repayments. By it going to court, a judge - someone completely independent from the situation - decides what should happen. If the judge rules that the borrower and guarantor should pay, as agreed when taking out the loan, then a charging order may be placed on the house, meaning that if the house is sold, they would need to pay back the amount owed, out of the money from the house sale. We would never force the sale of a guarantors home and wherever possible try to work with the borrower and guarantor to get the repayments back on track.

If after reading this, you feel like we’ve acted differently in your case, please contact me, and I can have your case reviewed, to make sure that we’ve acted exactly how we should have done.

Thank you,

Scott @ Amigo

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★★★★★

“Straightforward and helpful.....”

Written on: by Wren414 (1 review written)

I recently renewed my loan, which has allowed me to moreorless pay off 7/8 debtors, so I just have the one direct debit from Amigo now instead of lots of interest heavy payments. Aslong as your guarantor trusts you to make your repayments and can meet the criteria then you should go for it like I did. It may take a while to go through all of your incomings/outgoings, but that is so that Amigo are certain you can afford your loan repayments, but once that is done, which is all done over the… Read Full Review

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★★★★★

“brillant ”

Written on: by morgan2000 (1 review written)

i just like to say how good everyone was at amigo they went out of their to help me so quick and explained in great detail all about my loan i cant thank them enough… Read Full Review

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★★★★★

“great team of people”

Written on:

Very helpfull the team cant do enough for you happy to answer your questions and advise you in any way they can would recomend to anyone… Read Full Review

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Ksutton's Comment

Written on:

fantastic customer relations kept very simple and clear without the usual polaver thankyou very much for yourselfs and your teams help

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★★★★★

“excellent”

Written on:

Excellent application process and call with customer services was great really friendly helpful staff. Would definitely use again and recommend to others. For someone in my situation absolutely rubbish credit they were great !!!… Read Full Review

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★★★★★

“Excellent Friendy Service”

Written on:

Very good service for someone like myself with 'not so rosy' credit history. Very good rates too and friendly helpfull staff who keep you informed at all times… Read Full Review

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★★★★★

“Excellent Service and Friendly Staff!”

Written on:

Right from the beginning the level of service was excellent. The online application was easy to do, the phone call with customer service was handled very easily, through to the speedy payment. Checking the status of the account online is an excellent way of keeping track on how the account is progressing. Thoroughly recommend Amigo Loans… Read Full Review

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★☆☆☆☆

“Guarantors beware!”

Written on:

My daughter has just paid off her loan (thank goodness) after countless txt messages to myself (her guarantor) every time she was one day late with the payment. My daughter would always contact Amigo explaining her difficulties with the payment and she also advised them that we (her parents) were no longer in a position to help through ill health. This did not stop them contacting me, ringing me at work, not listening to me etc. Staff were very rude to me and would not stop talking when I… Read Full Review

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Amigoloans's Comment

Written on:

Hi there,

My name's Scott, I work at Amigo and wanted to reply to address some of your points, as it's clear you aren't happy with your experience with us.

Before we agree to pay out any loan, we have a 20-30min phone conversation with every borrower and guarantor, where we ensure both the borrower and guarantor can afford their repayments and run through exactly how the loan works and what you can expect from us.

During this call, we promise the guarantor that we'll contact them as soon as a payment is missed, as it's important that the guarantor knows, as they've agreed to make payments if the borrower can't and we don't want the payment to be any later, as it can result in extra interest being accrued, which isn't good for anyone. Unlike almost every other lender in the UK, we don't charge a penny for a later or missed payment, so you would never be charged a fee if the payment was late.

I'm sorry you feel that a member of our team was rude to you, if you can email us with your contact details, I'd really like the chance to have this investigated, to see what we could have done differently, as we never want a customer to feel like you've mentioned in your review.

We only ever ask a guarantor to pay if the borrower has missed a payment, just like you've mentioned it was when you were younger.

As soon as I receive your email and the calls have been listened to, one of the team will contact you to talk through what's happened.

Thank you,

Scott @ Amigo

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★★★★★

“fantastic customer service”

Written on:

I loved every bit of the application process. Clear, concise, supportive staff… Read Full Review

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★★★★★

“Quick an easy service”

Written on:

Application was very simple, received a text almost instantly for confirmation. Friendly Phone call with advisor was quick and hassle free. Would recommend this service to anyone… Read Full Review

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★★★★★

“my life back on track”

Written on:

after haveing our first ever family holiday since me and my wife got married 20 years ago with both of our sons and our eldest girlfriend too' the time we had together realy ment alot to us all.haveing realy enjoyed our first ever holiday abroad ,then trying to get it together for christmas we got a little stuck trying to play catch up. a friend recomended amigo loans but probabley like most never thot we'd ever be axcepted for anything but happily we can definatly smile as we've been give the… Read Full Review

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★★★★★

“Quick, easy and trustworthy - a fab idea”

Written on:

This process was so easy and efficient. After applying for my loan with the blessing of my guarantor, Amigo were in touch to have a chat within a few hours. They also texted of straightaway to acknowledge receipt of my application,ywhich was great. After a 20 minute conversation with a really pleasant advisor, I knew I was doing the right thing by trusting Amigo with my custom: I created a future budget to ensure I would be able to afford the repayments over the next 4 years and prevent me… Read Full Review

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★★★★★

“Quick and helpful ”

Written on:

Very happy with the service I have revived I have topped up my previous loan and would Recommend to anyone. Been a very quick and helpful service from and very polite team… Read Full Review

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★★★★★

“spot on”

Written on:

very prompt I would recommend to anyone in certain situations.very professional.well done amigo staff where great to… Read Full Review

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