British Credit Trust Reviews

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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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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
Halifax Personal LoanGood8.10%8.10%£7,000.00£13,000.00No
Zopa -10%Good10.00%10.00%£7,500.00£15,000.00No
Barclayloan PlusGood10.90%10.90%£5,000.00£25,000.00No

Average Ratings for British Credit Trust

  • Reviewer Ratings2.1 stars
  • Overall Rating2.2 stars

56 Reviews For British Credit Trust

  • Guest 6th Nov 2009

    Reviewer rating: 5 stars


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    Me and my husband went with bct as no one else would give us a loan for a car that we desperatly needed. Our credit is really bad and we needed also a chance to repair our credit. 6 months ago we got into difficulty with payments due to cut backs at work and i have to say they have been fantastic. They have been very patient with us and flexible with our payments. They have also been very understanding and sympathetic and we have not as yet had any problems or been harassed by them. Very happy customers.

  • Guest 3rd Sep 2009

    Reviewer rating: 1 stars


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    I have just bought a car though BCT or so I thought and it would have been my second through them. I paid the dealer £1000 as a deposit to get the car up to standard as I thought the agreement was sety in stone. To my surprise I found out that it was not a done deal as explained over the phone and by letter, but had gone to the underwriters for it then to be declined when I was assured it would be fine. I am now £1000 out of pocket and now not sure if I still have a car.

  • Guest 20th Aug 2009

    Reviewer rating: 1 stars


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    British Credit Trust give an absolutely disgusting service, not willing to talk found out credit agreement they had did not even relate to my agreement, they can find paperwork wont reply by letter or phone, total shambles plus made me take out PPI which i have written,proof of!!!!!

  • Guest 30th Jul 2009

    Reviewer rating: 1 stars


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    was desperate to get rid of my 2 seater convertable, Couldnt get credit, had to go with British Credit Trust through desperation as I was pregnant with twins & for an 8000 car they are charging 18000 after 6 years, I have got such a rope round my neck now & dont know wat to do ...

  • Guest 19th Jun 2009

    Reviewer rating: 0 stars


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    British Credit Trust say they give credit to those with problems i only missed a few payments and earn 1200 a month and still got refused, yet they advertise givin credit to much worse cases so cost me 5 pound for a waste of my time.

  • Toni123 11th Jun 2009

    Reviewer rating: 0 stars


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    British Credit Trust are the worst Company to go with! My car got written off and i thought i was covered by GAP Cover, But OH NO First they Didnt send out the correct forms to fill in then they said I had to go through a diffrent company to sort it it has now been two years and they still havent sorted it!! They were good whilst they were getting there payments but as soon as the accident happend they were hopeless they only ring to demand payments!! I advise Strongly not to go with this compa ...

  • Guest 15th May 2009

    Reviewer rating: 1 stars


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    British Credit Trust is extremely unflexible, their inability to assist when unforseen problems ensue is breathtaking. They assume everyone lies to them and will not listen or compromise, their answer is to take court action at the earliest opportunity. I became unemployed and could not meet full payments. Interest rates were already high, however I offered to pay the best I could until further employment came along, BCT did not want to know.

  • Guest 13th May 2009

    Reviewer rating: 5 stars


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    i have now had 2 loans for car finance and have been treated with the utmost care and consideration at british credit trust. helpful and friendly service.

  • Damien2893 Rank: Lance Corporal 12th May 2009

    Reviewer rating: 0 stars


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    British Credit Trust are the worst finance company i have been with got my car on 14th april 2007 and went of work mentally unstable on th 18th march 2008. Had that life, disability and unemployment insurance policy when first signed the agreement cause they said if ever off work ill you would get the car paid for 12 months, claimed it got a letter saying it was being paid 2 week ago on the 20th april got another letter saying we were 14 months behind on payments and then on the 6th may said the ...

  • bobby1959 9th May 2009

    Reviewer rating: 0 stars


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    Not at all happyin todays difficult climate i have unfortunately been off work for 3 months injured unable to work.. I am self employed so not earning at momentB.C.T have done nothing but harass me and threaten with actionI have even told DVLA car off road so i do not pay road taxB.C.T still not listenbe careful when dealing with them

  • Guest 3rd May 2009

    Reviewer rating: 5 stars


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    I had a car loan and cash loan from British Credit Trust but finished it early. They were great, at the end of the day if you have bad credit then BCT are about the best ones to go with. An exceptable apr.

  • Guest 3rd May 2009

    Reviewer rating: 0 stars


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    British Credit Trust are good if you have bad credit they will throw money at you if you have any difficulties they are not interested instead threaten you my car was eventually repossessed even thou i had paid more than a third they didnt get court order just took it anyway will be taking legal advice and taking matter to financial ombudsman service

  • Guest 20th Apr 2009

    Reviewer rating: 4 stars


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    British Credit Trust gave me credit I needed in a friendly efficient manner. Were helpful when one month I had a mini-crisis and couldn't pay bill (although I could pay the following month). Friendly helpful staff, gave me what I needed.

  • Guest 27th Feb 2009

    Reviewer rating: 4 stars


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    I was able to purchase my car and haggle for a good price knowing the finance with British Credit Trust was inplace, I didn't even need to pay , the payment was direct. Easy to talk to, never any hastle, tell them when you can pay your missed payment and stick to it. I will let you know, 3 years on we want to change cars, fingers crossed.

  • Guest 18th Feb 2009

    Reviewer rating: 2.5 stars


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    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 ...

  • Guest 20th Dec 2008

    Reviewer rating: 5 stars


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    Had a really great experience with bct, offerd us a great apr and was suprised when we didnt want to borrow a lot. will upgrade next year and will use again they also offer a loyalty bonus

  • CarBuyer1981 9th Dec 2008

    Reviewer rating: 5 stars


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    I was turned down for credit by the dealer's leander so applied to British Credit Trust. I found them helpful, understanding and polite. The APR given to me was actually better than the dealers had been anyway. I also found that when I asked to pay off the finance 16 months early there was no penalty for this as with a lot of adverse credit lenders and there was a significent reduction in the payment as they cancelled the remaining interest.
    They helped me out when I really needed it and I will ...

  • girlscout666 27th Nov 2008

    Reviewer rating: 4 stars


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    I have bought my first car through the British Credit trust, and have had absolutly no problems whatsoever. The gentleman who dealt with my application was nothing but helpful and answered all questions I had, and they even deliver the car, in perfect condition to your doorstep!
    The APR was a little higher than I would have liked, but the British credit trust are there for people such as myself who have a less than average credit rating. I went to them as I was unable to get credit elsewhere, an ...

  • mikewales 10th Nov 2008

    Reviewer rating: 1 stars


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    Brought a car from local garage in 2006, financed through BCT. Initially no problem but two weeks down the line when I had my paper work through a lot of errors. Tried rectifying these issues but to no avail! The car was involved in an accident and written off. My GAP insurance paid out and so did my car insurance. I was told that everything was clear and settled, however in February this year had a letter off debt collectors demanding £1865 immediatly!

  • neilwalker 7th Aug 2008

    Reviewer rating: 5 stars


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    I have been with British Credit Trust for 3 years now and onto my second car, I had a lot negative equity on my old car so I gave a list of cars BCT and they told which cars to apply for and even reduced my APR. Ok alot of people are moaning about missed payments but I am very sure after being with them for 3 years that I had a problem they would help me out. I am very pleased with there service and would recommend them to any one. A very big thank you to British Credit Trust.

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