I was having issues getting approved for credit elsewhere. Polar credit helped us out. You can borrow as much or as little as you can afford each time from the credit you are approved for. I would r... See more
Company replied
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See what reviewers are saying
Amazing. Borrow what you need they take min payment each month but you can pay extra on top. Interest isn't too high either. Def recommend. Def affordable compared to others
Absolutely amazing company! Staff are always so helpful and they are professional at all times. The service offered is amazing and nothing is too much for them to do. Repayments are set up with no has... See more
Company replied
The application process was okay, the money was available immediately, HOWEVER they LIED to me and said if I repaid my whole balance they would increase my limit, I asked them if they are SURE, they g... See more
Company details
About Polar Credit
Written by the company
New, simple way to access revolving credit. We are a reliable direct lender for your ongoing credit needs.
Representative example: Amount of credit: £1200, interest rate 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable).
Representative example: Amount of credit: £1200, interest rate 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable).
Contact info
3rd Floor, 12 Gough Square, EC4A 3DW, London, United Kingdom
- 0800 612 7188
- info@polarcredit.co.uk
- polarcredit.co.uk
3.9
Great
239 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Hasn’t replied to negative reviews
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Absolute joke of a company
Absolute joke of a company, I sent them numerous bank statements, they did a hard credit search and then declined me, avoid at all costs, a waste of a full day of my time
18 April 2023
Unprompted review
Why doing a hard search when you can’t…
Why doing a hard search when you can’t offer a credit. Why can’t you be like other providers who offers soft search. You’re just messing up people credit by doing hard search especially when you know you can’t offer credits. Appalling. Avoid this company
11 April 2023
Unprompted review
Website is easy to use.
31 March 2023
Great service
Very easy to use and has helped me out with my finances over the Christmas period, would definitely recommend.
15 December 2022
Polar credit are amazing
Polar credit are amazing. There interest rates are really good. They don’t over charge you for what you borrow. They are very relaxed on payments which make it very easy to pay back.
12 November 2022
Great Service
8 November 2022
Not a great experience Computer says no attitude
Not a great experience. I applied for a running credit account with, that was declined but as an alternative was offered a £150 loan with cashasap, a sister company.
Logged into try to use this option and their website crashed so was unable to follow through. I started a new application which was declined. They have advised that they cannot reinstate the original offer and I’ve left with a hard credit search and no loan .
Poor customer experience and customer service. Don’t use them based on this experience.
26 October 2022
Unprompted review
They made a hard search on my credit…
They made a hard search on my credit file, yet after filling in my information, I was sent directly (no refusal message, no message to explain) to a page listing lenders I could apply to. So they made a hard search while offering me no credit, while apparently being a direct lender. Steer clear
22 October 2022
Unprompted review
Fast and efficient service
Fast and efficient service, easy to use website no complications, would definitely recommend
14 September 2022
Yep u asked for my bank login details…
Yep u asked for my bank login details and thats bad but u got them and i guess you where blocked access by my bank.Not good behaviour but even if you got in u cant steal money anyway.I alerted my bank to your activity before i gave you the details anyway and its looking like fraud...Just spoken to my bank and they never heard of your company and asking for the login details was a sign of fraud so the details had to be changed.Well watch this reply ???Polar Credit staying silent ????Truth cant be explained it seems???TIMES UP IM SHARING THIS TO MY FOLLOWERS AND ASKING THEM TO SHARE IT SO A MILLION PLUS WILL SEE IT.
24 July 2022
Unprompted review
Reply from Polar Credit
Hi Stan,
Thank you for your lovely review! We are vey pleased that you liked our service and our interest rate!
Kind regards,
Polar Credit
Tried to send my application, but kept going back to the beginning
Could not send my application , kept going back to the start
18 June 2022
Unprompted review
Reply from Polar Credit
Hi Kyriacos,
Thank you for your review! We are so sorry to hear that you struggled to complete your application. All fields in the form need to be completed in order for us to process an application and we provide helpful reminders if a customer has missed some information.
If you would like any assistance with your application, you can contact us by email or phone and our team will be very happy to help you.
Kind regards,
Polar Credit
Polar Credit
On one good experience l would rate this website as ok to begin with logging in and receiving payment but when repayment is due would you kindly like someone coming to your premises and asking for the payment when it’s website states payment can be made via banking card or payment on line .
18 June 2022
Reply from Polar Credit
Hi Kerry,
We are shocked to read your review as payment is only made by collection from your debit card, online or by bank transfer.
We can assure you that no one related to Polar Credit has ever visited your premises, however we are concerned that you thought this was the case.
Please could you contact our team and we can investigate this for you.
Kind regards,
Polar Credit
Poor user functionality
Poor user functionality. Lack of ability to set up direct debit/ standing order. Lack of communication. Poorly trained customer service
31 May 2022
Reply from Polar Credit
Hi Wayne,
We are very sorry to hear that you are not happy with our service.
Our team receive ongoing training and have been in touch with you by email however if you ever need additional assistance, you can contact us by email, online contact form, or by phone and our team will be very happy to help.
Payments are made by CPA as standard, however you are also welcome to make your payments by bank transfer.
Kind regards,
Polar Credit
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