Polar Credit Reviews 

239
•
TrustScore 4 out of 5

3.9

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Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 2 out of 5 stars

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

  1. Non-Bank Financial Service
  2. also in
  3. Alternative Financial Service
  4. Financial Institution
  5. Loan Agency

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).

Contact info

3.9

Great

TrustScore 4 out of 5

239 reviews

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3.9

All reviews

(239)

19 reviews in the last 12 months

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Rated 1 out of 5 stars

Avoid

Avoid. They hard search then reject rather than soft search. Don't take the risk.

April 30, 2025
Unprompted review
Rated 3 out of 5 stars

Polar Credit offers a mixed experience

Polar Credit offers a mixed experience. While some find the service flexible and beneficial, others report approval challenges requiring additional documentation. Their repayment process is simple, and withdrawals are quick. However, concerns about their approval criteria and support have been noted. Exercise caution if considering their services. Overall, they need improvement in consistency.

March 14, 2025
Unprompted review
Rated 1 out of 5 stars

I applied on Friday

I applied on Friday, and supplied additional information required on Saturday. I have chased twice and have had no response as to whether my application has been successful.

March 14, 2025
Unprompted review
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Rated 1 out of 5 stars

AVOID AT ALL COSTS

They approve you, send you a signed and binding credit agreement, then don’t let you have the credit and ask for additional documentation. Avoid this company at all costs it’s a complete scam.

Complaint with the FCA & FOS is being made as we speak.

September 13, 2024
Unprompted review
Rated 2 out of 5 stars

Thought they were helpful when I needed…

Thought they were helpful when I needed help last year even paid the loan off early sad they chose not to help me 1 year later to only help through the next 2 months won't need their help again shame on them not me been in my job for 23 years their loss

May 8, 2024
Unprompted review
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Rated 1 out of 5 stars

Stay clear they do hard search and then…

Stay clear they do hard search and then give you a list of lenders you can apply for if you want a broker use one of the ones that only do soft search as this brung my score down 25 points and stuck on my credit file for 1 year it doesn't say anywhere that they do hard searches for credit broking so I've reported it in the hope I can have this removed but I'll not hold my breath

March 29, 2024
Unprompted review

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