Amigo Loan Reviews

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★★★★☆
4.3 / 5
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  • 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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Latest Reviews

★☆☆☆☆

“DO NOT USE”

Written on: 13/08/2015 by CAZ1069 (1 review written)

STAFF ARE RUDE AND PATRONISING,CLEARED OFF LOAN AND THEY ARE STILL TRYING TO GET MONEY OFF MY BANK DESPITE CANCELLED DIRECT DEBIT,UNBELIEVABLE,THE INTEREST THEY CHARGE IS A JOKE, A LEGAL LOAN SHARK IN EVERY SHAPE AND FORM I KNOW AS A SINGLE, WORKING PARENT HOW DIFFICULT IT CAN BE TO MANAGE....TRY AND SAVE AND GIVE TO SOMEONE YOU TRUST, THATS HOW I MANAGED TO PAY OFF LOAN… Read Full Review

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★★★★★

“procedure staff communication excellant”

Written on: 30/06/2015 by Johnlee1878 (1 review written)

I went to amigo after seeing numerous adverts on tv and not having the best credit history it was the perfect match the online application was so simple the after care with my application was also first rate, I spoke to numerous advisor who all had there qualities but I must pay special praise to them all the way through the process she kept me informed of everything she was professional throughout very knowledgeable and made me feel at ease with every moment we spoke all in all a pleasant… Read Full Review

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★★★★★

“Excellent Service”

Written on: 22/06/2015 by newcastle1966 (2 reviews written)

There are many loans companies out there,but this company stands out by a million miles,I was recommended them by a friend and they did everything to help me.I did not have the best credit rating but they helped me through every process and made sure I could afford it,the staff were non judgemental of my history,they were polite and efficient,my guarantor is not English but they got over the language barrier etc and made her feel at ease,payed out so quickly...Thank you… Read Full Review

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★☆☆☆☆

“Hidden charges”

Written on: 26/05/2015 by Immanuelk1 (1 review written)

Got to the end of the loan, payed the 24 repayments on time and found out i still owed 500 pounds. Amigos explanation is because i changed the repaymnet date to later in the month the intrest accrued. Do they not make enough out of us with the astronomical intrest rate? Be warned, even though i payed the amount specified within the loan agreenment, within the 24 months specified i still owe them 500 pounds, if it wasnt for the fact they would charge the guarantoor i would rather end up in… Read Full Review

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Amigoloans's Comment

Written on: 29/05/2015

Hi there,

My name's Scott, I work at Amigo. I wanted to reply to your review, as it's clear you're not happy and that you feel there were hidden charges attached to your loan, so I wanted to take the time to try to explain the situation.

To explain, we charge interest daily. This means that when you make an early payment or pay your loan off early, you'll pay slightly less interest, but if you move your payment date to later in the month, you'd pay more interest, as your balance would remain higher for longer.

This is the way that interest is calculated. It's not something we're adding to your loan as a charge. In fact, we don't charge any fees for applying for a loan, making a late payment, or repaying your loan early.

If you'd like me to arrange for someone to call you, to talk you through exactly what's happened, just send me your contact detail to help@amigo.me and I'll arrange for one of the team to call you.

Thank you,

Scott @ Amigo

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★★★★☆

“dont top up”

Written on: 20/05/2015 by Kysonw276 (1 review written)

Used amigo because no one else could help me,got £5000,,everything going well until id made about ten payments and they offered me a loan to top up to £5000 again,stupidly I took the £700 and then my repayments were reduced so all I was paying back was nearly all interest bar a couple of quid..a year passed paying on time but only payed back about £200 off the loan !!! got quite depressing,,lucky for me I came in to a bit of money and have now payed it off,,so don't get a top up if your… Read Full Review

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★★★★★

“Very happy with service”

Written on: 30/04/2015 by VincentPollock (1 review written)

Very polite adviser and easy to understand them Hardly recommend to my friend… Read Full Review

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★★★★★

“Awesome service!”

Written on: 27/04/2015 by CharliePereira (1 review written)

Awesome and friendly service, highly recommend. Willing to make sure that you are not "in over your head" about their loans and repayments, making sure you have the best options available. Offers one of the lowest APR for loans. The website is clear and concise, accessing your account couldn't be more simply. If I ever need a loan again, it will be through Amigo loans. Honestly cannot think of any cons with using this service… Read Full Review

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★☆☆☆☆

“waste of time”

Written on: 22/04/2015 by AlfredoLewis-Alt323 (1 review written)

Waste of time they had me and my guarantor on the phone for a hour on Monday telling everything was ok and money would b paid into bank in 48 hours load of rubbish I phone them up today to b told the loan had been declined no one could phone email, or text to tell me just had me waiting… Read Full Review

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Amigoloans's Comment

Written on: 29/05/2015

Hi there,

I'm Scott, I work at Amigo.

I wanted to reply, as it's clear your not happy about the expectations that were set when you spoke to us.

I understand that being declined can be frustrating, especially if you believed your application would be accepted, but we have to complete a number of checks before we can agree a loan with a customer. We're committed to lending responsibly, so sometimes, when we complete these checks, it means we're not able to lend to a potential customer.

Having said that, I am sorry if you feel you were given expectations that weren't delivered and if you'd like me to look into this for you, I'm more than happy to arrange that. Please contact me on help@amigo.me, if you'd like me to do this.

Thank you,

Scott @ Amigo

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★★★★★

“Fast and very reliable”

Written on: 31/03/2015

Very good team, not a fly by night Company. Great fix for me, and fully recommended. They are personal and consider your current status. Very Happy. Many Thanks. DH… Read Full Review

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★★★★★

“Fantastic service ”

Written on: 25/03/2015 by MarioNapier124 (1 review written)

Amigo are honest sharp and straight to the point would recommend to anyone, the advisor was amazing and helpfull great telephone manner and helped seal my loan… Read Full Review

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★☆☆☆☆

“bullies”

Written on: 07/03/2015 by ibiza65 (1 review written)

we missed one payment and o.m.g. no help when offer to pay extra , hounded my guarantor phone calls emails threats to take money from both banks , has lead to sleepness nights signed of work falling out with a family member , the whole thing is your worst nightmare .PLEASE STAY AWAY FROM AMIGO , they need to be reported for putting people through hell… Read Full Review

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★★★★★

“Loan completion”

Written on: 05/02/2015

From start of my application to completion, Amigo Loans have been fantastic, all staff have been very helpful and polite and the process has been very quick. I would certainly recommend Amigo Loans… Read Full Review

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★☆☆☆☆

“do not go near”

Written on: 28/01/2015 by DamarisCrabtree (1 review written)

My husband went guarentor for my son to be able to get a car for work, but now only wishes he had listended to the bad reviews on this company. after a few months both ours and my sons financial situ took a turn for the worst but even though fone call upon fone calll to them from both of us amigo is not listening we repeatedly get letters threatening that they will take the payment from our debit card then on cancelling this card they then told us they would collect it through direct debit… Read Full Review

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Whatever001's Comment

Written on: 30/01/2015

AMIGO LOANS REALLY SUCK..... They want a GRANTOR WITH GOOD CREDIT HISTORY and they charge 44.9% APR. Why the FCUK anyone with good credit history and a homeowner will go to them for a loan????? If I have a good credit history never mind my own house BANKS are there to lend. Amigo loans biggest bull shyit.

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★★★★★

“Fast, Friendly, & Fabulous.”

Written on: 15/01/2015

When you have a loan with Amigo, everything is customer friendly and flexible, the process is done quickly and efficiently with polite friendly staff who go above and beyond to assist you. A very impressive company run particularly well. I would recommend Amigo Loans to my friends. Their Customer service is excellent. If customer pays on time can be offered a top up on their loan, which is very handy. They care. Maximum is now £7,000 hope in future will be increased to £10,000… Read Full Review

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★☆☆☆☆

“Guarantors beware”

Written on: 31/12/2014 by Walterm75 (1 review written)

If you are thinking about standing guarantor for some one be very careful . this company will hound you the instant the money is not pay by the person that gets the loan they stop at nothing and will phone your place of work. be very careful and from person experience don't do it. my daughter got a loan from this company she pays almost 200 pounds a month and only 20 pounds gos to the balance with the rest going to interest… Read Full Review

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Amigoloans's Comment

Written on: 12/01/2015

Hi there,

My name's Scott, I work at Amigo. I wanted to get in touch, as it's clear you're not happy and I'd like to look into exactly what happened, to make you feel like this.

Firstly, we agree, people should think carefully about becoming a guarantor, as it's a commitment that needs consideration. We're very clear about this during the application process and have a 20min phone call with every guarantor, where we talk through their responsibilities in regards to making a payment if the borrower can't.

In regards to the way interest works on an Amigo Loan, at the start of the loan, a higher proportion of your payment goes towards interest. As the balance reduces, a higher proportion goes towards the outstanding capital amount. This is just how interest works. If payments are made on time, you'll never pay back more than was agreed at the start of the loan. In fact, if you pay your loan off early, or make over-payments during the loan, you'll actually end up paying less than was agreed.

If you'd like me to look into your case, to find out exactly what happened, please email help@amigo.me and I will have your case investigate, to see what's happened.

Thank you,


Scott @ Amigo.

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★☆☆☆☆

“Unhelpful”

Written on: 22/12/2014 by PJW1967 (1 review written)

Having had my loan since July 2011, and only several months left to finish the loan term, I have found myself out of work and struggling to make the monthly repayments. I have missed no payments at all, and when calling Amigo for help........guess what? They still want their full payment. In short, I have re0paid £7717 on a £5000 loan.......and they aren't prepared to help. Amigo are just in it to make money (42.6 interest), and not help in any other way, as they like to portray! Ordinarily… Read Full Review

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★★★★★

“Fantastic service”

Written on: 13/12/2014 by Schwartz1960 (1 review written)

Fantastic customer service been with amigo over 2 years never had a problem. Staff are friendly and helpful would defiantly reccomend… Read Full Review

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★☆☆☆☆

“Legal Loan Sharks”

Written on: 11/12/2014 by Porterxu479 (1 review written)

STAY AWAY. YOU GET CONSTANTLY HASSLED.. I HAVE NEVER MISSED A PAYMENT BUT THEY STILL CONTACT MY GUARENTOR EVERY MONTH SAYING THE PAYMENT IS LATE.. WAS TOLD I WAS A LIER WHEN I WAS DIAGNOSED WITH CANCER DESPITE OFFERING FULL PROOF OF MY ILLNESS. PLEASE PLEASE PLEASE STAY AWAY. I HAVE BEEN FRIENDS WITH MY GUARENTOR FOR 29yrs AND BECAUSE OF HARRASMENT FROM AMIGO LOANS IT HAS PUT A STRAIN ON OUR FRIENDSHIP. THEY MAKE OUT CONSTANTLY THAT I AM LATE.. I HAVE EVERY RECEIPT AND STATMENTS PROVING MY… Read Full Review

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Amigoloans's Comment

Written on: 20/01/2015

Hi there,

My name's Scott, I work at Amigo. I wanted to get in touch with you, to ask you to contact us directly, so that we can investigate what's happened. If you can email your details to help@amigo.me, we can look into the calls you've mentioned.

In your review, you mention that we contact your guarantor every month, even though every single payment has been made on time. If payments are made on time, we wouldn't contact a guarantor to tell them the payment was late, so I'd like to look into your case, to see exactly what has happened.

I really would like the chance to have the calls you've mentioned listened to. It sounds like you're unhappy with your experience so far and I'd like to work out exactly what has happened to cause this. Rest assured, if we've done anything wrong, we'll try to put it right, but first we need to look into your case.

Thank you,

Scott @ Amigo

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★☆☆☆☆

“Dogy AMIGO method border line to illegal”

Written on: 04/12/2014 by Mikexxxxxxxxxxxxxxx (1 review written)

They target people who cant get credit and who really should not have credit and get them to supply a guarantor details. Thats a risky deal for whever is stupid enough to sign up as they are agreeing to be fully liable for any debt. Someone supplied my details as a guarantor and AMIGO tried it on by sending me a letter stating that I had sign some fictitious online document. I have spent all afternoon reporting AMIGO to the FCA, the Police and Action Fraud over this matter. These are, just… Read Full Review

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Amigoloans's Response to Mikexxxxxxxxxxxxxxx's Review

Written on: 12/01/2015

Hi there,

My name's Scott, I work at Amigo. I wanted to reply to your review, to explain what seems to have happened here.

You mentioned that someone supplied your details to us, in regards to being their guarantor. It does sound like this is exactly what happened. It's not a case of us trying anything on. Rest assured, before any loan could be agreed, we would go through a series of identity and anti-fraud checks, over the phone, with you, before any loan was paid out. Without completing these checks, nobody could sign you up as a guarantor.

If you've not yet spoken to us about this, please contact me and we can ensure nothing further has happened.


Thank you,

Scott @ Amigo

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★★★★★

“Different Class Company Amigo Loans”

Written on: 28/11/2014 by hzBolton285 (1 review written)

Well I have an ok credit rating but couldn't get a loan. My lady and I live together in rented accommodation and she is NOT a homeowner but has an excellent credit rating. I applied on line and was immediately accepted but needed guarantor- either homeowner or excellent credit rating. As we live together I thought it would be a problem but 2 hours after giving the info the cash is in the bank! Sure, the APR is higher than a bank but now I can really build my credit rating and hopefully a year… Read Full Review

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