Universal Cash Loans Review

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4.5 stars
Average rating for this product is: 4.5 out of 5

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emmap's Review of Universal Cash Loans

25th Sep 2007

Overall Rating

4.5 stars
  • Value for money
    3.5 stars
  • Speed of Application
    4 stars
  • Loan Rate
    112.4%
  • Customer Service
    4.5 stars
Good Points

Quick, friendly, helpful.


Bad Points

Rates are quite high.


General Comments

When I was messed about by provident I applied for a loan with universal cash loans, I must admit the rate is quite high the interest on the £500 I wanted was £220 but as I was told by provident and universal this is because it's collected weekly by an agent. I phoned up on a Thursday morning and completed an application over the phone, they told me an agent would call to confirm my details they told me his name and a day and time he would call. He came round the next day checked my details and told me the office would process it as soon as possible I phoned Saturday and was told I had been accepted and he would bring my loan on Monday and he would be my caller each week to collect my payments the £500 loan costing me £15 a week.
The only downside was because of the weekend it took 5 days to get my loan.

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Members' Comments onemmap's Review

  • emmap Rank: Corporal on 28th Sep 2007

    For anyone who is interested the website is www.universal-cash-loans.co.uk

NameCredit RatingAPRTypical APRMin Loan AmountMax Loan AmountHome Owner  
Alliance & LeicesterGood8.00%8.00%£7,500.00£14,950.00No
Sainsbury's LoansGood8.00%8.00%£7,500.00£15,000.00No
Nationwide LoansBad7.90%7.90%£7,500.00£14,999.00No