British Credit Trust Review

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British Credit Trust
2.1 stars
Average rating for this product is: 2.1 out of 5

From 5 ratings and 56 reviews

Thumb down 39% of users recommend this product

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Guest's Review of British Credit Trust

18th Feb 2009

Overall Rating

2.5 stars
  • Value for money
    0.5 stars
  • Speed Of Loan
    2.5 stars
  • Payment Type
    Fixed Payments
  • Customer service
    3.5 stars
Good Points

Easy to Deal with,


Bad Points

Not willing to allow me to change car without a substantial deposit in some cases


General Comments

Borrowed 6K from British Credit Trust in August 2007. Paying back £205 PCM, After paying for year, I enquired about changing car before the current car slips further into negative equity.. at first they were helpful but every time I proposed a car to them they required a £1500 plus deposit to do a deal.

I sent them a settlement cheque just last week of £5512.26
As soon as they recieved it, they were straight on the phone offering me various incentives to take out another loan with them. I politley informed them that if they had been more accomodating when I was looking to change car, I may have stayed with them.

As it is the loan paid off and I bought a new (slightly older) car that is bought and paid for

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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