Company profile:

Amigo Loans

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APR: 49.9% Representative
Loan amount: £500 - £7,500
Repayment duration: 12 - 60 Months
OPTIOSCORE 82.7/100 
Time to apply: 01m 33s
Amigo Loans customer reviews

3.6 out of 5 from 118 customer reviews

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Representative Example: If you borrow £4,000 over 36 months at a Representative rate of 49.9% APR and an annual interest rate of 49.90% (variable), you would pay 36 monthly instalments of £195.16. The total charge for credit will be £3,025.76 and the total amount payable will be £7,025.76.

About Amigo Loans

Amigo Loans are a guarantor lender offering loans from £500 - £7500 over 12 - 60 months and they offer loans to customers who've been turned down elsewhere or had trouble getting credit in the past. Amigo Loans customers will need a guarantor to back up their application normally a friend or family member. An Amigo Loans guarantor will need to be between the age of 18 and 75, and who has a good credit history. They will need to have enough money to make repayments on the loan if for some reason you can’t pay.

Their representative APR is 49.9% variable and there are no set up fees, late payment charges or credit scoring when you make an application. Once you have been accepted, most loans are paid out within 48 hours and transferred into your guarantor's account. You will also have 24/7 access to your account online, giving you control of your loan. Repayments can be made via Direct Debit, and by card online, over the phone or in cash at any PayPoint location.

Amigo Loan offer their product to those who are full or part time employed, those who are self employed, graduate students, home makers and the unemployed. As with any loan, Amigo Loans are subject to affordability assessments and your ability to make your repayments.

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Amigo Loans customer reviews

3.6 out of 5 from 118 customer reviews

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Worst loan company
Zahra in London
11-01-2017
Value
Simplicity
Customer service

I had a loan with Amigo Loans with a guarantor and I was going through financial difficulties so they took few payments from my guarantor and despite of speaking to them for a repayment plan they did not agree. I have told them I can't afford the full payment but no response. Few weeks later I received a county court letter to pay the full payment including their court fee or we get CCJ. We had to borrow money from family and friends to pay off their loan. Worst customer service and never again.


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Quick and easy
James in Manchester
23-11-2016
Value
Simplicity
Customer service

First time i have used these, i've had difficulty borrowing money due to a past problem, i was the typical student hiding from credit cards etc. I heard Amigo on the radio and tried it out. Application was easy, asked my dad to guarantor my application, he agreed but made me promise to make every payment on time or else!! He filled in his bit, we were on the phone to Amigo for no more than a couple of minutes each and the loans was paid within hours of my application. Friendly, quick and easy to use.


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Worst ever
Jade in Bradford
29-12-2015
Value
Simplicity
Customer service

Their fast to get all the paper work done and paid out as soon As you have a loan that isit it's hard to pay off they call and pester even after a day late I myself did not have a regular payment date from work I explained this several times they still bombarded me with calls and texts then when I spoke to them again and explained they straight away call your guarantor not leaving it till the day you will make the payment harassing both of you. Now I have a regular payment date Nd have changed my payment date with them to the first I have had a text to say they tried taking it out on Xmas day my payment date is the beginning of the month so this is a while before I am due and my bank has no recolection either. Also do not make a payment with another card or borrow someone else's for a one off they store them and take future pAyments from them when you state this is not the primary card they are cons.


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Changed my mind about guarentor loans
DanniMonk in Basildon
15-12-2014
Value
Simplicity
Customer service

Yeah not bad. no hassle, thorough phone call that really put my mind at ease. I was worried about asking my mum to be guarentor but the professionalness of the staff made me feel ok about it.


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Perfection
kyle in Doncaster
16-08-2014
Value
Simplicity
Customer service

I can not fault the service, it was last chance saloon for myself and after a discussion with my partner i applied, and for the people that say it takes a long time !! its a lie , i rang them at 11am and after a few chase up phone calls and ensuring that everything was fine the payment went in at 6pm !!!! AMAZEBALLS yes the interest rate is high but its a risky loan for them to give out. Been with them for 8 months now and never missed a payment, there only website is fantastic and their staff are friendly when i have had to speak to them which is very rare as the account can be managed online ! Only criticism is that when you make over payments online it would be nice to see how much interest you have got rid of or how much you have shortened your loan by. Very Well done Amigo and thank you


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paid off 6 months early
kim in Kidderminster
07-05-2014
Value
Simplicity
Customer service

they are great, I managed to pay mine off in six months and they have just offered me another loan but will give me 200 pounds for taking the loan out so virtually no interest. If you can't afford the loan then don't take it out x


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Does exactly what it says on the tin
Pamela in Farnworth
22-03-2014
Value
Simplicity
Customer service


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Unreasonable, tight, VULCHERS!!
Dawn in West bromwich
05-02-2014
Value
Simplicity
Customer service

Ok, so we needed a small last minute loan. My hubby was my guarentor. At 1st all seemedfine, however on a couple of occasions I had explained that I needed to pay literally a few days later than daye agreed - they ignored my request


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DONT GET IT
lee catchpole in Great Yarmouth
28-11-2013
Value
Simplicity
Customer service

I can not beleive how much more trouble i am in now than before probly my fault for not reading the million pages they send and me being new to loans.I got a £3000 loan out i pay £176.00p a month and in 1 year to the day i have payed just over £270 of make that one out.There is no way out of this loan as they be after the garentor.There is no give with this firm they will hunt you down and make you pay how ever.very fast payout but i now know why.


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Great
Matthew smith in Walsall
20-11-2013
Value
Simplicity
Customer service

Brilliant if you pay on time :) most of the comments left are negative due to either none payment or late or being refused have a £5000 loan and had no problems what so ever so keep up the good work amigo xxx


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stay clear
in the crap in Wakefield
21-08-2013
Value
Simplicity
Customer service

Pigeon post or pony express would of been quicker , I'm in more of a mess now and in debt with APR plus the stigma of going to a friend for help.Adiós amigo


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Avoid at all costs
Mike in Birmingham
02-08-2013
Value
Simplicity
Customer service

Please avoid this company at all costs. Don't be fooled that the money arrives quickly and they may be polite on the phone, they are charging almost 50%APR, it is terrible.I acted as a guarantor for my sister and she lost her job and can no longer afford to pay and I am now left with a shocking monthly bill. It shouldn't be allowed to happen, why should someone else have to pay for someone else's bills? I only guaranteed the loan because I thought my sister's job and income was secure. I am now having to pay back £350 a month for the next 3 years. I just don't know what to do. They hound me for the money and just take it from my accounts without telling me. Please be careful. They are a disgusting company, simply out to make huge money from people who are hard up. They are disgusting.


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Fantastic Service
Mark. in Daltson
23-07-2013
Value
Simplicity
Customer service

From the point I applied to pay out was less than 48 hrs, i found that they kept me very well informed of the loan progress and are on hand to help by both phone and email with a very fast response!


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very friendly
david in Crawley
22-07-2013
Value
Simplicity
Customer service

i recently went for a loan with amigo , found them very friendly on the phone - they have put my mind at rest with a loan !


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very friendly
david in Crawley
22-07-2013
Value
Simplicity
Customer service

i recently went for a loan with amigo , found them very friendly on the phone - they have put my mind at rest with a loan !


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Couldnt be faster
unclefesta in Reading
20-05-2013
Value
Simplicity
Customer service

Applied on tues, call first thing wed morning and then spoke to my dad about being guarantor. They did go through quite a long call with both of us, doing a budget for if we could afford it which took about 20 mins, but even with that was easy and fast. thank you amigo loans!


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a loan
lynn in Manchester
29-04-2013
Value
Simplicity
Customer service

found everythin very clear and simple i had a few concerns which they answered on the phone after i applied online.overall very easy !


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not bad
ali in Cardiff
18-04-2013
Value
Simplicity
Customer service

i applied for 3k loan --i wasnt too sure about it as the apr quite high. originally my guarantor was declined by themn as they said they werent a homeonwer found another one and got it paid out pretty quickly! its alot to pay back but i plan to pay it back early anyway and save a bit!


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High cost, poor service.
Andrew in Glasgow
10-04-2013
Value
Simplicity
Customer service

After struggling to pay for (even more) expensive payday loans, i applied to a number of companies for help. I was offered a loan with Amigo (at the time called FLM loans) independently, but because i had also applied to a broker as well, i had a broker fee of £350 added. Pretty poor if you ask me. As soon as i hit the year mark i received constant offers to increase my loan to £5000, and recently i decided to accept. After applying, my guarantor had to phone them repeatedly in order to proceed with the application and despite being told she would be called back, she rarely was. I had used the same guarantor as i had for the initial payout of £3500, but despite my personal circumstances being drastically improved from the original application and my guarantors circumstances barely changing, i was refused the increase as Amigo claimed my guarantor could not afford the £10 increase in my monthly repayment! I understand that they have a generic system for calculating the risk of customers and their guarantors, but as an existing customer (who has proven his ability to pay for over 1 year) I find it completely absurd that they can claim that a £10 increase, for myself or my guarantor, both in full time employment, is unaffordable...Given the cost and the service you get, i wouldn't bother with this company, unless you are absolutely and completely desperate.


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Quick and easy
na in Na
18-03-2013
Value
Simplicity
Customer service

Found the process very clear and any question's I had were all answered, which set my mind restI would recommend this site.The process was very clear quick and easy.


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No 'Amigo' about it!!!!
Layls in Suffolk
03-03-2013
Value
Simplicity
Customer service

Extremely painful application process - despite no mention of it while they hound you to take out a loan, beware they go through your income and expenditure (and that of your guarantor!) with a fine tooth comb. They will already have every little detail of existing contracts (even bogus ones mentioned on a credit file which I am now aware of). There is no sensitivity, empathy etc by their 'customer care' team so be prepared for a degrading experience! They are cold, robotic and want their c49% interest regardless of who they step on in the process. I can see no justification of Amigo hounding the guarantor just because a payment is behind one or two days. In my case, I had emailed them immediately (no response) and then when my whole family ended up getting involved as a result of them hounding my guarantor, I followed up again. They contacted my guarantor on the same day the payment did not go through. I have still not received a reply from the company and neither have I had a phone call from Amigo to discuss anything. I am now left with a rift in the family. A general lack of making calls on their part suggests they are cutting costs on this? - Not acceptable when you are charging c49% apr. They even send a text to your guarantor asking him/her to call them for a half hour call! The cheek. You are affecting close relationships, unnecessarily, and I think your customer service is quite frankly dispicable. To anyone considering Amigo loans, they are robotic, greedy pikeys who do not care about you as an individual or ruining the relationship you have with your guarantor. I urge you to look elsewhere.


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BEWARE!!!!
Ste in Notts
15-01-2013
Value
Simplicity
Customer service

Hi, i would like to make everybody aware of this company. They are VERY non negotiable and will take any means, including court action to recover the smallest of sums if the payment plan cannot be met, they will not even allow a slightly reduced repayment plan! They have broken apart a debt management plan of mine when 7 other creditors found it absolutely fine!BE WARNED, DO NOT DO BUSINESS WITH THESE PEOPLE!!!!!Please learn from my mistakes :(


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AVOID AT ALL COSTS
Danny in London
22-11-2012
Value
Simplicity
Customer service

AVOID AT ALL COSTS


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Pleased with the result
Robertnorris24 in N/a
21-11-2012
Value
Simplicity
Customer service

Just like to thank Katherine personally as her help and guidence was next to none, she was understanding and friendly to talk to. Amigo loans have met my requirements and pending the result of my loan I'm sure I'll pass information and drop amigo loans name in the future Thank you amigo loans and I personally thank Katherine for her services provided


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Once i found a guarantor
1234-1234 in N/a
20-11-2012
Value
Simplicity
Customer service

Once i managed to find a guarantor, which is the only downside :(The money was processed quickly into my guarantors account within a day! Very friendly service from the staff at amigo. I would deffinatly reccomed.


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Faultless
n/a in N/a
18-11-2012
Value
Simplicity
Customer service

I have recently taken borrowing through Amigo Loans and have to say that I found the service very friendly and efficient.Sure, they're expensive, but that cannot be a complaint as as if I had the option of something cheaper I wouldn't have found myself with Amigo in the first place.


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It is what it is
n/a in N/a
18-11-2012
Value
Simplicity
Customer service

Sticky divorce = bad credit. Into 5th year with then called FLM. Customer service is their strength and separates them from their competition. Keep the repayments up and sit back and relax. Got a problem they will listen!


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dont try for a loan
n/a in N/a
14-11-2012
Value
Simplicity
Customer service

they say you dont credit check its a lie.if you get a guarentor that has his own house and a job,but no credit score because he pays cash for everything you still cant get a loan. even though its obvious they can pay for stuff.i call this false advertising.


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Fantastic company to deal with. So glad I found amigo loans
Rambojambo in N/a
14-11-2012
Value
Simplicity
Customer service

I have had a nightmare of a time over the last 5-6 years obtaining credit due to silly mistakes when I was younger and a bad expirance with a mobile phone provider, destroying my credit file. During this time I've had to get help from my parents when it come to financial matters. I.e. getting a mobile phone contract or a loan. ( parents taking the contracts out in there name and me paying the bills )When I first heard of amigo loans I did not think that it would be legitimate, and that it would probably be another marketing ploy to get people to apply for loans. Only to be rejected due to credit file history. ( Whitch has happened to me on many an occasion ). I then seen some reviews on this site after contacting amigo and starting there online application saying that amigo were like all the other company's and did not give out loans. And I feared the worst. Nothing could be further from the truth. My garantor and myself were contacted immediately after clicking the send button of the application, by txt. The text informed me that they would get in touch within 24 hours. The next day at about 15:30 ( 20 hours after I completed the application ) I received a phone call from a very friendly and helpful member of amigo's customer service team. She asked me questions about my income and expenditure to make sure I could afford the repayments. Once completed she went through the same process with my garantor to make sure that my guarantor could afford the repayment in the event I did not honor the agreement. All was completed in about 30mins and 30mins after that the funds were avalible in my guarantors account. They do check your credit file and that of your guarantors. They do this for the same reason they ask about income outgoings. ( to make sure you don't have to much financial commitments ) responsible lending ? A far better system ( in my opinion) than the banks and other lenders that let people take as much credit as they can then crucify you when you can't afford to pay it all back. All in all a fantastic company to deal with I'm only sorry I did not know about them sooner. As my credit file would be fine by now. Top marks to the founders of this company. And many thanksKevin.


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Fantastic brilliant service
PJhouston123 in N/a
12-11-2012
Value
Simplicity
Customer service

I appreciate that the interest rate is a bit on the high side, but nevertheless that's my problem for having a bad credit rating. From the minute I contacted Amigo, to receiving the text my loan had been released, I have to say they were fab. Each and every representative I spoke to, emailed or text were lovely. So helpful and really nice. Wayne was a star, nothing was too much trouble for him and his team they were ace. My guarantor even commented to me how nice the people were and how clearly they explained everything. Really great service and they certainly pulled me out o a hole! Fabulous!


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False Promises
Leigh Trezise in East Cowes
09-11-2012
Value
Simplicity
Customer service

This company took all our private bank details and promised that the loan, that had been approved, would be paid into our bank account the next day, only to find that it had not. Apparently, there were a couple of discrepancies that stopped them from paying this loan to us. I wonder whether or not they are actually doing credit checks on applicants, after stating that they would not. They are advertising on daytime television and making it sound so easy. Our guarantor has given out all personal bank details also and is now highly concerned about this, as the loan has not been paid out. They do not listen to you, when you say don't telephone me at work. My partner has had constant telephone calls from them and is not allowed to use his phone at work. They have built our hopes up by approving the Guarantor and loan application and for some reason, at the seventh hour, they have pulled out and will not even tell us why, during the telephone call giving us the bad new. What gets me is that they approved the loan and twice we have had someone say that the loan will be paid into the Guarantor's account the next day but to no avail. They have left us three days wondering what the hell is going on and this was after we sorted out a direct debit day with them and gave all our personal bank account details. I wonder if they are genuine and if they should be advertising on day time television. Right now, we are getting increasingly concerned about what may be taken out of our bank accounts. Be wary and don't even trust the small print, as it is like being dropped like a ton of bricks. So glad that the loan wasn't paid out now, after reading other reviews. We would have kept up the payments (of course) but this company does not seem as genuine as they make out, in my opinion.


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STAY WELL CLEAR OF THIS COMPANY
Del
07-11-2012
Value
Simplicity
Customer service

Borrowed £300 back in February 2012, its now November and my balance is still £266 - ive been paying over £30 a month to try to clear this but its having very little impact as they keep applying interest which always brings my balance right back up again. The terms of the agreement are NOT clear when you take out a loan with these con artists.... Companies like this should be closed down. SCUMBAGS !! Giving 1 star is far too much but doesnt have a minus option..


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You know where you stand
NathanD in N/a
07-11-2012
Value
Simplicity
Customer service

We took a loan with Amigo when they were know as FLM. Immediately, when applying, you are made aware that you need a gurantor. With a not-so-great credit history, other financial institutions wouldn't touch us. My partners mum offered to guarantee for us, was contacted the next day by Amigo and the loan was paid out within the week. At all stages they kept us up to date with the process, from initial enquiry to the moment of payout to confirmation that the funds had left their bank. Low and behold, the money was in the bank within 3 days, just as they had said. People can moan about the interest all they want, the fact is, bank charge you interest up front, Amigo charge you daily. So, if you pay extra one month, the amount that you paid extra would reduce a days interest. We started off paying around £88 pounds interest per month in 2009 on a £3000 loan. Now, with only a few payments remaining, our interest is dropping by at least £2s per month (currently stood at £24 for the month of November according to our online statement). You can also do everything online, from changing bank details, telerphone numbers, payment dates (which, unlike some banks, Amigo do not charge you for the the privilege) and after a while, applying for a top up. We have paid for 43 months and was made eligible for a £5000 top up some time ago due to a good payment history. If needed, we would take without a doubt. If you do have to deal by phone, (started a new job, wages date changed, direct debit bounced) they show great empathy and listen to what you're saying. Would highly recommend. Nathan, Basingstoke


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CON ARTISTS
Stephen in South Lanarkshire
03-11-2012
Value
Simplicity
Customer service

No matter how desperate for money you are AVOID THIS COMPANY at all costs. Firstly, the company was originally FLM Loans when I borrowed from them, using my brother as a guarantor. Although they clearly explained the exceptionally high APR clearly, they did not tell me how they find other ways to apply charges. Every month has been a nightmare!!!! I paid £1000 towards my loan in a bid to pay it back early and reduce the massive APR. However. After s few months my guarantor started to get calls saying I wasnt paying the loan! Upon investigation, Amigo had used my large payment as advanced monthly payments - so when this ran out they contacted me! The result, I still gave the huge APR over three years. Since this incident, they have "updated" my direct debit details several times, yet still dont always take the payment and contact my guarantor. In fact, on one occasion (though they had been paid), they sent a letter to my guarantor stating that I had not paid the loan (letters that are dated after the loan has been paid)! No matter when you call them, they are unhelpful - they refuse to give you a full Jane it call reference number. Thus, you cannot refer to any contact you have with them, which, conveniently for them means they can deny it happened - eg: Amigo: "We did not send you a letter after you made a payment" Me: "yes you did, I have it in my hands" Amigo: "why would we do that. It makes no sense. We definitely didn't send you a letter" Me: "OK, can't deal with you anymore, can I have your name or a call reference, please"? Amigo: "*stated only first name* thats all you need" Me: "no I need a reference number to identify that this particular call as your staff do not leave notes on the account and I'm tired of it" Amigo: "that's all you need" THIS IS WHAT YOU ARE DEALING WITH I would love someone who has written a "good" review to contact ne as I only know one other person who deals with Amigo, and surprise surprise, he's got similar problems!! SERIOUSLY, DO NOT TAKE A LOAN WITH THIS COMPANY - BE WARNED!!!!


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dreadful ||||||
northwood
02-11-2012
Value
Simplicity
Customer service

from start to finish an absolut nightmare ||||they hasseled the guarentor from the start, endless questions,then on the final payment they found extra charges NEVER NEVER WORK WITH, THEM I NEVER WILL


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simple and easy
eddie
15-10-2012
Value
Simplicity
Customer service

after applying for several other companies which turned out to be time wasters wanting cash up front ect, i applied at amigo, family member happy to stand as security, £4000 loan paid out within days and you can keep track of your account on-line, hope to repay within 6 months rather than the two year term which will save me interest. i plan to use again to complete my home improvements as i know i am good for the repayments, interest only high if you take it for full term and if your like me with a less than great credit history then you cant argue just be glad someone is there to help. so far no problems with them and if you have any questions they always answer them. excellent service. Just remember these companies are in business to make money so all those moaners who complain about high interest and calls when you fail to pay THATS YOUR FAULT NOT THE COMPANIES!!!


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Amazing Just Amazing Really Really Helpful Thank you
J Callaghn
12-10-2012
Value
Simplicity
Customer service

Prior 2010 I had a job and 100 per cent A ok credibility. Got cancer lost my job then two years of hell. I couldnt pay my bills or my creditors. Thought I was going to die. One of my creditors ignored all my correspondence HITACHI finance and went for a CCJ. Was too ill to fight them. All the others have been very helpful indeed. Especially the Yorkshire Bank. I obviously could not get a loan anywhere to help on my journey back on my feet. My mission is to get back in a posi;tion of strengh fiancially, if I can fight cancer and beat it the trick was denial, cancer is just a word, then if your strong minded you can fight anything if you believe in a higher power. I am so grateful to be here now and very very grateful to my guarantor and AMIGO LOANS. Life is full of many people and pathways...


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“Quick, reliable and easy”
n/a in N
28-09-2012
Value
Simplicity
Customer service

They dealt with my loan quickly and efficiently. Their customer service was excellent. It was hassle free from start to finish. They were true to their word money paid out within 24 hours. Would recommend them to a friend or family member. I liked the fact they dealt with me as an individual and spoke politely about my guarentor. I also liked the fact that I could sign up on-line.


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good hassle free
na in Na
21-09-2012
Value
Simplicity
Customer service

i have been with amego for 15 mnths and has been hassle free toppod up my loan with a friendly member of staff all done on the net and phone will recommened amego to anyone


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"clear explanation
na in Na
19-09-2012
Value
Simplicity
Customer service

everything is made very clear and explained very well by the advisors they give you a chance to ask anything you are unsure about straight forward application and easy to answer i would recommend to people who cant get a high street loan its good when you are stuck for immediate funds


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best in the world
na in Na
18-09-2012
Value
Simplicity
Customer service

talking to them they understood the value of customer service. they were prompt and helped me through the process of the application. they understood and helped me in every aspect of the application. they responded to my question very concise and accurate. the speed of the application was very good and speaking to my guarenter straight away was very good as well. then the payout was very fast and efficient and the email that i received from amigo informing me that they have paid out was excellent.


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what a great service
na in Na
18-09-2012
Value
Simplicity
Customer service

I would like to say that Amigo have ben the bets company to deal with for a long long time.Its refreshing to recieve excellent customer service and have people at the other end of the phone who know what they are doing.I am amazed at the speed from start to finish.Well done Amigo loans and thank you for all your help


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so easy
na in Na
16-09-2012
Value
Simplicity
Customer service

it has been so easy and quick would recomend to anyone


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false loan approval
n/a
14-09-2012
Value
Simplicity
Customer service

shoddy customer service, promise you money and then refuse it when comes to the crunch....been on the phone all day trying to sort out a loan that we were guaranteed over internet and then on the phone only to be told by the managing director that i am not financially stable - i mean who do these people think they are talking to...it is rude and impersonal and they have no idea how to treat potential paying customers - biggest joke company ever!!!!!!!! Wish I had never contacted you...all you did was insult me and waste my time..i have a mortgage and a job that pays $40k a year so don't talk to me about not being financially stable!!!!!!!!!!!!!!


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top quality service
n/a
31-08-2012
Value
Simplicity
Customer service

one of the best experiences i've ever had when applying for a loan, quick and easy, customer service is better than i've ever had anywhere, very helpful and really pleasant, no pressure.


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“The : i am able to! factor. amigo by name and nature.”
n/a in N/a
22-08-2012
Value
Simplicity
Customer service

Hi iam john i was really impressed with the service i received from all of the staff involved in my loan application and acceptance.They were all very friendly,the only person who delayed any action was myself,i hesitated. I found everybody helpful and they explained in detail all i needed to know.I would happily recommend amigo and it,s staff to any of my friends and wish you all good luck in any, and all of your endeavours.


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at last someone who is prepared togive me a second chance
N/A
12-08-2012
Value
Simplicity
Customer service

the application is so easy and straight forward no stress involved. simply fill in a form with a guarantor and its done i cannot believe it. i got my loan and in my account within 3 days. i will definateley use amigo again brilliant


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Quick n Easy
N/A
10-08-2012
Value
Simplicity
Customer service

So quick, lovely lady on the end of the phone, very helpful. It was so easy from start to finish, good if you have no computer access too as they are in touch by phone. There is nothing i didnt like about using amigo, very safety minded.


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Guarantor Beware
N/A in London
08-08-2012
Value
Simplicity
Customer service

Be very carful if you are considering becoming a gaurantor. I foolishly became one for someone I THOUGHT I could trust. Believe me I couldnt have been more wrong. Amigo send me a text every time the lendor doesnt pay and another text the following day so say it has been taken from my bank account. I did contact Amigo after paying seven monthly payments but they didnt seem interested. The gaurantor is the easy way for them to get paid without chasing the real borrower. This review will probably get removed by Amigo for being negative but a quick look on the Money Saving Expert forum reveals all.


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helped me where others wouldnt
Ann, Huddersfield
03-08-2012
Value
Simplicity
Customer service

Your review i borrowed £400, it took 24hrs to sort out guarantor as my first was not acceptable, and then a further 36hrs for money to reach account but this was due to bank holiday kept informed throughout by text messages and when i needed to querie something had my own personal advisor who i could speak to or email and got a response immiediatly. text alerts re: amount due and date great idea, on line account easy to understand and very clear about interest payable. if you pay slightly above the minimum payment due then the interest is reduced accordingly and you always see exactly how much you would need to pay to clear account! this company helped me when no other would, i would strongly recommend!Note: You must be a customer of this company to submit a review


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Brilliant Quick Service
N/A
03-08-2012
Value
Simplicity
Customer service

Wanted to top up my loan was offered £5K but only wanted £3.5K and also wanted to change my guarantor. Done all on e-mail by myself and guarantor on Tuesday afternoon. They spoke to both of us Wednesday lunchtime and they sent the money to my guarantor's account just after lunctime. No hassle and really quick, easy service


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When desperation calls you!
N/A
01-08-2012
Value
Simplicity
Customer service

When desperation called me, I called Amigo Loans (or FLM as it was then). I was actually on holiday when it all went through and, apart from a couple of hiccups on my part, it has been smooth sailing for nearly two years. Unfortunately, (and thankfully in a smaller way!),desperation called again recently. Lo and behold, within a week, it has all been sorted out. Again unfortunately, I have been having problems with my internet services, but Amigo Loans were extraordinarily helpful by phone and text. What's not to like? Well, you may not like the interest rate but, compared to some of the payday loans which are advertised, Amigo Loans interest rates are over 75% lower and very fair - and it counts towards an eventually good credit rating.


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SHOCKING
Joanna in Kent
30-06-2012
Value
Simplicity
Customer service

DO NOT GO WITH THIS COMPANY!!!!!!I took out a loan of £500 and have ended up paying over £1,200 back and yet my balance is still near the £400 mark! All because my guarantor and I were made redundant by the same company! they have no sympathy for anyone! besides that they dont take the money on the right day so you have no chance to manage your finances! Ridiculous company to get a loan out with!! I love the fact that they send me a text or email saying that they have been trying to text and email me for weeks when they havnt!Also they managed to loose my paperwork to say that i was going on a DRO and my guarantor was on a managment plan but still taking £60 - £70 a month! of which 99% is interest so we were told over the phone. They are rude and arrogant and are NOT a quick fix!


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helpful
sophie in London
22-05-2012
Value
Simplicity
Customer service

Phoned amigo last week after seeing the advert on tv, have to say had no problems borrowed £5000 (i know repayment is steep) but i had to borrow that amount, my mum stood as gurantor within two days loan was paid out they were helpful and straight forward.You'll only have trouble if you dont pay or miss a payment so keep to your word!


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glad its almost over
jacqueline in Carrickfergus
14-05-2012
Value
Simplicity
Customer service

i took a £3000 loan with these people i have never missed a payment and only owe them £93 and my guarantor was my mum whos credit has not changed in one bit yet when i applied for a topup loan they told me i had to find a new guarantor as they done a credit check and they did not pass yet when ask how they can still be used as a guarantor for the current loan they just kept repeating that they failed to meet their standards .SO I will be GLAD to be rid of these unhelpful people oh and on a £3000 loan the intrest was around £2000 costing around £5000 in total, yet on a £5000 over the same period of time costs well over £12000 to pay back complete rip off stay well clear.


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Amigo?!? More like 'Bandito'!
Harry in Winchester
04-05-2012
Value
Simplicity
Customer service

I'm serving as a guarantor for my nephew to build up some credit since he is young and at University, which I am happy to do. But the tactics that 'Amigo' have used to complete the application and now to collect on the funds has been ridiculous. I'm just going to pay the thing off and be done with it and get him to build his credit elsewhere. Pushy salespeople to 'up-sell' an amount he didn't need, added fees, and rude collectors (and he only missed one payment). So sorry I told him to give it a try. I have been officially robbed at the border by bandits.


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'Guarantors refused'
mike in Liverpool
20-04-2012
Value
Simplicity
Customer service

i applyed using 5 differnt gaurantors and was rejected each time. Even though 2 of my gaurantors had good credit. WASTE OF TIME....


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is this a joke?
not a happy camper in Swindon
14-04-2012
Value
Simplicity
Customer service

i've had constant texts, emails and now a letter telling me i can borrow £5000. i didn't apply to this company but another one. to borrow £5000 i'd have to pay back £11859!! £6859 MORE than i actually borrow! it also states in the letter, a garantor has to own their own home but this is an unsecured loan. 'we just need to know the garantor trusts you.' a garantor is the one RESPONSIBLE for paying back anything YOU don't pay! this is stated in tiny print on the back. i'm complaining about this comapany and definitely will not be borrowing from them!


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no help
sue in Northamptonshire
04-04-2012
Value
Simplicity
Customer service

what do you do if like many people out there with family and friends all living off the state by benefits which is no fault of my own..... but what can i do to if i cant find a guarantor, im on a debt management plan at the moment, but with letters still coming from them i just need a simple quick loan so that i can get them off my back, i've never been behind on payments just been too kind hearted to get credit for so called family and friends.


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Dont touch
T a kenforaride in Cloud cukoo
01-04-2012
Value
Simplicity
Customer service

I acted as a guarantor,she stopped paying and now FLM dont bother chasing the person taking out the loan they just send me texts and take the money from my account.Answer from Sam at Amigo/FLM Loans - "Our loans are built on trust. Before you agree to be a guarantor make sure you trust the applicant. If you have any doubt about their ability to pay us back you shouldn't agree to be their guarantor. We will never accept a guarantor unless they fully understand their responsibility and are 100% happy to go ahead. If an applicant stops paying and tries to avoid contact with us, we will do everything we can to make sure they keep up their commitment to pay. We expect all guarantors to pay if the applicant stops paying us back."


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Amigo loans scam?
Alan in UK
22-02-2012
Value
Simplicity
Customer service

I wanted to know if Amigo loans was a scam or not so I came on here. The good news is that Amigo loans are definitely not a scam. I got my loan within a day of applying – thanks.


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Make sure you can be a guarantor
Michael in Newquay
20-02-2012
Value
Simplicity
Customer service

My brother asked me to be his guarantor. I asked how he was going to pay back, and weather or not he could afford it. It turned out that he could not afford the repayments on the £3000 he wanted so I agreed to be guarantor for £1500.


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Thank you Amigo
Amy Phillips in Somerset
17-02-2012
Value
Simplicity
Customer service

Thanks for my loan…..that is all.


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The personal touch
Rebecca in Cheltenham
14-02-2012
Value
Simplicity
Customer service

Josh at Amigo was really helpful the entire time, thank you so much for the speed and quality of the service you provide, it really is amazing!


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Contact Amigo Loans
Liz in Newcastle
12-02-2012
Value
Simplicity
Customer service

I got in touch with Amigo last month. A really good website that allowed me to apply and get a loan. I was a bit worried about asking my sister to be my guarantor but she said she would do it and I got the loan 2 days later.


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Guarantor loan success
Frank in Southampton
05-02-2012
Value
Simplicity
Customer service

I have been looking for a loan for a little while so I can clear my payday loans that I have taken out (sigh), my friend told me about Amigo guarantor loans and I went to the website and got one with my Dad as guarantor, worked out well so far, I now just have one loan with them rather than 5 payday loans.


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Not a scam just fast cash
Ollie in UK
01-02-2012
Value
Simplicity
Customer service

Not a scam just fast cash


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class acts
lee in Birmingham
09-01-2012
Value
Simplicity
Customer service

Helpful from beginning to end - thank the lord for Flm , ok you might need a guarantor but what did expect? Chances are you have screwed up in the past and you just need that break - you know the one thats gonna sort you out and put a few things right!!! Well it has worked for me!! Thankyou flm will definately recommend to evreryone!!!!


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not bad
won hung low in Cheshunt
05-01-2012
Value
Simplicity
Customer service

good company but double expensive and ruthless if your a day late with a payment. only consider taking a loan with them if you sure you can pay it back, this firm takes no prisoners


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not bad
won hung low in Cheshunt
05-01-2012
Value
Simplicity
Customer service

good company but double expensive and ruthless if your a day late with a payment. only consider taking a loan with them if you sure you can pay it back, this firm takes no prisoners


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THINK BEFORE YOU BECOME GUARANTOR
EDDY the sucker in TUN-WELLS
06-12-2011
Value
Simplicity
Customer service

F.L.M are a good loan company, BUT , Now please think on this very hard . A so called friend, or relation comes and asks you to be guarantor for them , the reason they need a guarantor is because they have crap credit history. no credit history. they have defaulted . court orders against them etc etc. .If you do help these so called friends, relations, and they stop paying. Remember YOU ARE THE ONE THAT SIGNED THE AGREEMENT TO PAY F.L.M. NOT YOUR MATE OR RELATION. Just go back to the agreement for a moment, F.L.M. require the guarantor to be a home owner!hello! has your light come on yet ????. So your so-called mate , relation stops paying the monthly instalments and does a bunk to south America, and you at the time cant afford to pay, F.L.M don't care if you have lost your head my friend. they will legally get there money eventually, one way or another. The above is in no way intended to criticise the way F.L.M do business. in fact they are very a very good firm to deal with. But remember. You play ball with them, they play ball with you , But please remember that it is their ball that is being played with. So please please "think". signed without prejudice Eddy the sucker. root of all EVIL ,the money demon


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THINK BEFORE YOU BECOME GUARANTOR
EDDY the sucker in TUN-WELLS
06-12-2011
Value
Simplicity
Customer service

F.L.M are a good loan company, BUT , Now please think on this very hard . A so called friend, or relation comes and asks you to be guarantor for them , the reason they need a guarantor is because they have crap credit history. no credit history. they have defaulted . court orders against them etc etc. .If you do help these so called friends, relations, and they stop paying. Remember YOU ARE THE ONE THAT SIGNED THE AGREEMENT TO PAY F.L.M. NOT YOUR MATE OR RELATION. Just go back to the agreement for a moment, F.L.M. require the guarantor to be a home owner!hello! has your light come on yet ????. So your so-called mate , relation stops paying the monthly instalments and does a bunk to south America, and you at the time cant afford to pay, F.L.M don't care if you have lost your head my friend. they will legally get there money eventually, one way or another. The above is in no way intended to criticise the way F.L.M do business. in fact they are very a very good firm to deal with. But remember. You play ball with them, they play ball with you , But please remember that it is their ball that is being played with. So please please "think". signed without prejudice Eddy the sucker. root of all EVIL ,the money demon


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Good service but expensive
Rob in Crawley
20-11-2011
Value
Simplicity
Customer service

I needed a loan for a new car although being only 18 (with poor credit history) I struggled to find a loan company who would lend me the £3000 I needed. However, FLM lend to anybody who is able to offer a suitable guarantor (which I had). They kept in contact with me throughout the application process and the £3000 was paid in my account an hour after approval. The company is honest and proffesional. If a payment is missed they will take the money from your guarantors account on the same day. Great service, just dont miss any payments as they are unwilling to accept any late payments which is fair enough.


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They took £200 out of my bank without consent or my knowledge
Rachel in Birmingham
02-11-2011
Value
Simplicity
Customer service

All you need to see is the above. They never leave you alone, either via text or phone. They took £200 from my account leaving me and my child just £40 to live on for 2 weeks. Our phone has been cut off. Wish i'd never gone there. Plus even though they took £200, i still owe more than the £500 i borrowed.....


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FLM loans
Kevin in Gloucester
30-10-2011
Value
Simplicity
Customer service

THE REASON WHY MOST PEOPLE COMPLAIN ABOUT THESE KIND OF COMPANIES IS BECAUSE THEY HAVE DEFAULTED IN ONE WAY OR ANOTHER. THEY SHOULD ALL READ AND UNDERSTAND WHAT THEY ARE DOING. MOST PEOPLE USING THE FACILLITIES FROM FLM HAVE DEFAULTED IN ONE WAY OR ANOTHER IN THE PAST SO BE CAREFULL IF YOU ARE A GUARANTOR AS THEY MAY JUST DO IT AGAIN.....WE TOOK A £3000.00 LOAN OUT OVER 1 YEAR TO HELP US HROUGH A ROUGH PATCH, IT WAS EASY, WE KEPT UP THE PAYMENTS, THEY DID NOT BOTHER US AND KEPT US UP TO DATE WITH STATEMENTS. THEY OFFERED A FURTHER LOAN WHICH WE REFUSED. THE END.


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FLM loans
Kevin in Gloucester
30-10-2011
Value
Simplicity
Customer service

THE REASON WHY MOST PEOPLE COMPLAIN ABOUT THESE KIND OF COMPANIES IS BECAUSE THEY HAVE DEFAULTED IN ONE WAY OR ANOTHER. THEY SHOULD ALL READ AND UNDERSTAND WHAT THEY ARE DOING. MOST PEOPLE USING THE FACILLITIES FROM FLM HAVE DEFAULTED IN ONE WAY OR ANOTHER IN THE PAST SO BE CAREFULL IF YOU ARE A GUARANTOR AS THEY MAY JUST DO IT AGAIN.....WE TOOK A £3000.00 LOAN OUT OVER 1 YEAR TO HELP US HROUGH A ROUGH PATCH, IT WAS EASY, WE KEPT UP THE PAYMENTS, THEY DID NOT BOTHER US AND KEPT US UP TO DATE WITH STATEMENTS. THEY OFFERED A FURTHER LOAN WHICH WE REFUSED. THE END.


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BIG THANK YOU
dawid in WORKSOP
08-09-2011
Value
Simplicity
Customer service

THANKS FOR HELP FLM LOANS!:)


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BIG THANK YOU
dawid in WORKSOP
08-09-2011
Value
Simplicity
Customer service

THANKS FOR HELP FLM LOANS!:)


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Non stop hassel
Amy Jones in Northwich
05-08-2011
Value
Simplicity
Customer service

omg the non stop hassel from this company. We were referred through U switch and were told a company were willing to give us a 3,000 loan but i could wait to be transferred as i needed to pick my daughter up. "The paperwork come through the next day and the apr was 58%. I didnt know why we had been referred to this company as out credit reating is good and we own a house etc. Needless to say we didnt agree to anything as we were totally in shock at how someone could charge anyone 58% apr its criminal.Anyway we have managed to get a loan with Lloyds bank, but i am continually been text by the company even though i have emailed and text STOP to their messages.Well thats my experience and i wouldnt use them unless you are desperate


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Non stop hassel
Amy Jones in Northwich
05-08-2011
Value
Simplicity
Customer service

omg the non stop hassel from this company. We were referred through U switch and were told a company were willing to give us a 3,000 loan but i could wait to be transferred as i needed to pick my daughter up. "The paperwork come through the next day and the apr was 58%. I didnt know why we had been referred to this company as out credit reating is good and we own a house etc. Needless to say we didnt agree to anything as we were totally in shock at how someone could charge anyone 58% apr its criminal.Anyway we have managed to get a loan with Lloyds bank, but i am continually been text by the company even though i have emailed and text STOP to their messages.Well thats my experience and i wouldnt use them unless you are desperate


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Be very careful
Bob in Cheltenham
18-07-2011
Value
Simplicity
Customer service

WE Paid off our account in october and although they have been sent bank statements etc several times since, they are still taking money every month. They have also waited EVERY MONTH to add the late payment charge before they have taken the money. I am bothered by them non stop, particularly annoying on sundays, throghout the day, from 9 til 6. I am sick off them and cant recomend them to anyone, however if you do decide to go with them, MAKE SURE YOU KEEP COPIES OF ALL BANK STATEMENTS AND LETTERS!!!!!!


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Be very careful
Bob in Cheltenham
18-07-2011
Value
Simplicity
Customer service

WE Paid off our account in october and although they have been sent bank statements etc several times since, they are still taking money every month. They have also waited EVERY MONTH to add the late payment charge before they have taken the money. I am bothered by them non stop, particularly annoying on sundays, throghout the day, from 9 til 6. I am sick off them and cant recomend them to anyone, however if you do decide to go with them, MAKE SURE YOU KEEP COPIES OF ALL BANK STATEMENTS AND LETTERS!!!!!!


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Does what it says on the tin
Andie in Coventry
06-07-2011
Value
Simplicity
Customer service

I love FLM loans. Their approach and customer service is second to none.


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FLM - THE TRUTH
Chris in Portsmouth
21-06-2011
Value
Simplicity
Customer service

Flm have covered a gap in the market. if like me your credit is not the best it can be, this company could help. it's based around someone standing for you as a guarantor. if you google FLM like i did you do get a lot of people Moaning about how bad FLM can be, this is only down to them missing payments and quite frankly if someone missed a payment that they owd you, you would be ringing them and nagging for payment. Guarantors: please understand What This Entails, your standing for the person so if they miss a payment FLM will chase you for it instead. simple! and as much as some review wine about it, YOU signed the Paperwork to say YOU Would agree to PAYOUT if the loan defaults. So again Guarantors its your choice to back your son's new six month girlfriend, but please thing long term. my father inlaw back my loan, he's known me for 5 years and im married with children in a stable relationship. Being a Guarantor is a BIG Thing not to take lightly Hence FLM check 3 times with you ARE YOU SURE! The loan its self is not to bad if paid back as quick as possible, with an avg 42% apr dont get on 5 years you might as well open your wallet and burn cash in your face.


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FLM - THE TRUTH
Chris in Portsmouth
21-06-2011
Value
Simplicity
Customer service

Flm have covered a gap in the market. if like me your credit is not the best it can be, this company could help. it's based around someone standing for you as a guarantor. if you google FLM like i did you do get a lot of people Moaning about how bad FLM can be, this is only down to them missing payments and quite frankly if someone missed a payment that they owd you, you would be ringing them and nagging for payment. Guarantors: please understand What This Entails, your standing for the person so if they miss a payment FLM will chase you for it instead. simple! and as much as some review wine about it, YOU signed the Paperwork to say YOU Would agree to PAYOUT if the loan defaults. So again Guarantors its your choice to back your son's new six month girlfriend, but please thing long term. my father inlaw back my loan, he's known me for 5 years and im married with children in a stable relationship. Being a Guarantor is a BIG Thing not to take lightly Hence FLM check 3 times with you ARE YOU SURE! The loan its self is not to bad if paid back as quick as possible, with an avg 42% apr dont get on 5 years you might as well open your wallet and burn cash in your face.


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Guarantor Hell
Pip in Newcastle upon Tyne
01-06-2011
Value
Simplicity
Customer service

Don't get sucked in by this company. I stood as guarantor for my son's partner and all seemed well.......til she stopped paying. Then we got the usual phone calls etc from FLM. Nice enough at first but after the first few calls that changed markedly. I tried explaining my personal situation (wife ill, no work) but there was no leeway. Now I find out they've debited my bank account for 2 payments. One yesterday, and another one today. Unless you have a crystal ball and can see your future is rosy, DON'T sign as a guarantor.


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Guarantor Hell
Pip in Newcastle upon Tyne
01-06-2011
Value
Simplicity
Customer service

Don't get sucked in by this company. I stood as guarantor for my son's partner and all seemed well.......til she stopped paying. Then we got the usual phone calls etc from FLM. Nice enough at first but after the first few calls that changed markedly. I tried explaining my personal situation (wife ill, no work) but there was no leeway. Now I find out they've debited my bank account for 2 payments. One yesterday, and another one today. Unless you have a crystal ball and can see your future is rosy, DON'T sign as a guarantor.


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top company
colin blackshaw in Liverpool
16-05-2011
Value
Simplicity
Customer service

i was in a mess as i needed repairs to my taxi i appiled to FLM at 3.30 pm after been messed about by the so called big firms etc,,,,,,FLM helped me out withen 30 mins ,,dan e-mailed me several times with my details and updates and was very helpful and friendly,,,,by 6pm the money was in my account sorted,,,,,,,would recomemd this company to anyone for being so helpful understanding and genuine


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fairplay
Adele
26-04-2011
Value
Simplicity
Customer service

im happy so so happy


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very quick
Robert
20-04-2011
Value
Simplicity
Customer service

all round very good service


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all good
joshua
18-02-2011
Value
Simplicity
Customer service

yea it help me quickly and no fuss


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all good
joshua
18-02-2011
Value
Simplicity
Customer service

yea it help me quickly and no fuss


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Thank you for all your help
Guest in Portsmouth
25-01-2011
Value
Simplicity
Customer service

Matthew Bere - I was dealt with efficiently and with the most professionalism. I would recommend the service to a friend and anyone who is looking for a good value loan. I was really impressed with the way Matt dealt with me, he called to make sure I had all the information required he helped, he respected my circumstances and he also treated me with kindness, respect and professionalism. Thank you for all your help.


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great company , very helpful and polit
Janice in Langley
25-01-2011
Value
Simplicity
Customer service

great company , very helpful and polite. extremely fast service and honest. unlike other companies they did not promise payment in 2 hours and then 5hrs late call e-mail to say it was cancelled (capitalfinanceone!!!! aweful company) they said 1hour and ten minutes later it was there . aplied @ 3pm cash in account @ 4.36. was amazing. all information was provided no scary after additions.


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simple and efficient
blackrod in Doncaster
25-01-2011
Value
Simplicity
Customer service

I was very pleased with the simple and efficient way in which FLM dealt with my application for a loan. I would not hesitate to recommned FLM to my friends or family


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very impressed with the speed
jamba in Earl's Court
25-01-2011
Value
Simplicity
Customer service

I was very impressed with the speed of being paid out, very quick, I'm very thankful as this was so easy to apply, speedy contact with no hassles, thanks very much to Dan W, extremely professional dealing with an awkward customer such as myself.Hope not to need it again but would definitely use FLM again


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quick and very organised
Guest in Brighton
25-01-2011
Value
Simplicity
Customer service

Overall service was very quick and very organised. The advisor who dealt with my loan application was very polite and helpful, very clear explaining all details, and was very available for me to call back with ant queries.


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simple and efficient
blackrod in Doncaster
20-01-2011
Value
Simplicity
Customer service

I was very pleased with the simple and efficient way in which FLM dealt with my application for a loan. I would not hesitate to recommned FLM to my friends or family


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great company , very helpful and polit
Janice in Langley
20-01-2011
Value
Simplicity
Customer service

great company , very helpful and polite. extremely fast service and honest. unlike other companies they did not promise payment in 2 hours and then 5hrs late call e-mail to say it was cancelled (capitalfinanceone!!!! aweful company) they said 1hour and ten minutes later it was there . aplied @ 3pm cash in account @ 4.36. was amazing. all information was provided no scary after additions.


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Thank you for all your help
Guest in Portsmouth
20-01-2011
Value
Simplicity
Customer service

Matthew Bere - I was dealt with efficiently and with the most professionalism. I would recommend the service to a friend and anyone who is looking for a good value loan. I was really impressed with the way Matt dealt with me, he called to make sure I had all the information required he helped, he respected my circumstances and he also treated me with kindness, respect and professionalism. Thank you for all your help.


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very impressed with the speed
jamba in Earl's Court
20-01-2011
Value
Simplicity
Customer service

I was very impressed with the speed of being paid out, very quick, I'm very thankful as this was so easy to apply, speedy contact with no hassles, thanks very much to Dan W, extremely professional dealing with an awkward customer such as myself.Hope not to need it again but would definitely use FLM again


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quick and very organised
Guest in Brighton
20-01-2011
Value
Simplicity
Customer service

Overall service was very quick and very organised. The advisor who dealt with my loan application was very polite and helpful, very clear explaining all details, and was very available for me to call back with ant queries.


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lee
lee
30-11-2010
Value
Simplicity
Customer service

not to bad


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BEWARE VERY HIGH INTEREST RATE
Chris in Stafford
23-11-2010
Value
Simplicity
Customer service

This company told me there was no arrangement fee but when i had my first statement through the post they added on an extra £330 onto my account for arrangement !!! Do not go on what their loan calculator says i had a loan of £3000 and i am having to repay nearly £6000 with interest !! no wonder this company dont bother with credit checks they would give a loan too anybody !!! The payout rate is very fast i must agree maybe so they can charge silly interest the quicker the better !!!


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Do not use this company
Barry in Stratford
15-11-2010
Value
Simplicity
Customer service