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Admiral: Personal Loan reviews

Name: Personal Loan
Rating: 4.81 (1396 reviews)

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4.77

Based on 1,396 reviews, last reviewed 24th Aug 2024

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

88%

Latest highest rating:

5

Great value loans and exceptional service Really kind customer service team and quick payday loan really helped me out during a tough time. Completely paid off now with little interest and gre... Read more Reviewed on: 24th August 2024

Latest lowest rating:

1

They appeared pre-approved, applied for a loan, made... They appeared pre-approved, applied for a loan, made a hard search, and asked to provide a copy of licence, 3 months' payslips and 3 months' Bank stat... Read more Reviewed on: 17th January 2024

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About this product

Want to know if a personal loan from Admiral is right for you? Read reviews from our community members, whether it's for home improvement, debt consolidation, a new car, or whatever else, Admiral personal loan customers leave their reviews here. Already have a loan with Admiral? Share your own comments and you'll be helping others who are trying to decide if Admiral is the right choice for them.

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Admiral Personal Loan reviews (1396)

Terrible

I was 100% pre approved through Clearscore with an excellent credit rating, never missed a payment on any account. Applied online through the app, only to find out I had to link my bank accounts, which I did. Missed a call from them two days later so spent the best part of 2 hours on hold trying to speak with someone. They told me that because my house doesn't have a street name I'd need to reapply through their website. So despite having access to my full address history through whatever credit reference agency they use, I still needed to re-submit a fresh application! I've decided not to use these, and opted for Zopa whom I have used in the past. No issues at all with them, applied online, got a great APR and the money is already in my bank, 20 minutes after being approved! That's how a personal application should be done. Terrible experience with Admiral Reviewed on: 21st September 2021

Pre Approved what a joke

Clearscore indicated that we were pre approved at a good rate, only 2 days later to be called up to be interrogated by their underwriter. We were then declined for a loan that we can afford, an absolute joke. Now my credit file is affected due to the misleading pre approval status. Completely out of order Reviewed on: 7th August 2021

Pre-Approved - But a real struggle!!!

Like many others I can see reviewing here, I was 'pre-approved' via ClearScore for what seemed to be a great deal! The application was seemingly quick and easy. I was then asked for a fair amount of documentation which I was happy to send in. That said, I then came across a stumbling block, the account I requested my monies to be paid in should I be approved, was a new account that I'd just switched my main account over to (closing my current/previous main account). With them wanting 3 months of full statements for the new account, I simply was unable to provide the information. I explained this to the people on live chat (who were all very helpful) and I was asked to provide open banking instead and noted on my account the statements provided are my most recently but the account was recently switched. The next day, I'm again requested for 3 months of new statements on the new account. I once again go on live chat and explain the situation only to be told that unfortunately that's what's required if I'd like to proceed the loan. I say I cannot provide this, because the account isn't 3 months old. I'm then told to provide whatever I can and the underwriting team will them re-review and let me know if its adequate. At this point, I choose to cancel my application. Whilst I appreciate their diligence, they make it incredibly difficult in certain circumstances despite lots of evidence already being provided, to proceed the loan. If I'm pre-approved for something, I wouldn't expect to front so much personal information. I've now gone to another provider, who has paid out the same day without me needing to spend hours trying to prove my information to them. Of course the APR isn't as good as what the admirals quote was (though I suspect I wouldn't have been offered 11% in the end from reading other reviews) but I'd suggest it was worth it just to avoid the hassle. Reviewed on: 11th June 2021

OFFERED PRE APPROVED LOAN THEN ASKS FOR LOADS OF DOCUMENTS AND PROOF ! YOU SHOULD NIOT BE OFFERING PRE APPROVED AND I HAVE PERFECT CREDIT!1

APPLIED CLEARSCORE OFFERED PRE APPROVED SAID YES THEN THEY TAKE YOU TO A PAGE SAYING YOUR BANK CAN DOWNLOAD YOUR STATEMENT HISTORY TO THEM,SO I DID BUT ONLY CERTAIN BANKS DEAL WITH THEM? MINE DOESENT CO OPERATIVE BANK , SO TGHEN THEY ASK FOR ITEMS I COULD HAVE GIVEN TO BETTER RATE LOAN NOT PRE APPROVED?// SO WHY FALSE ADVERTISNG PRE APPROVED?/ Reviewed on: 19th May 2021

Quick and easy

Straight forward application and money was in my bank quickly Reviewed on: 19th May 2020

Scam

They advertise their personal loan on Experian (I have an excellent credit score and never missed a payment in my life) with 3% APR and I was on a guaranteed rate as per the description. They have completed the hard search on my account then told me that they can offer me a 50% APR rate.......So now, they destroyed my credit score probably for the next couple of months for nothing. I am not sure how this can be legal??? I do understand the difference between representative APR and personal, but don't tell me that somebody with a perfect credit history should expect an 50% APR on a personal loan. (Or if yes, please highlight it on experian too and don't make false promises) I have contacted the ombudsman as these scammers probably try to force people to use their services as after a hard search probably you have to go with their rate as you won't get another offer from lenders...... Reviewed on: 17th February 2020

Advertise a rate that does not exist

Applied for a loan after seeing 95% chance of approval with expieran and ClearScore. After having a few checks done, they emailed with confirmation of acceptance however the APR had gone from 3.3% to 23.70% which is a big jump and an extra £3500 in 3 years! Just be wary of them, as they have done a credit check on my credit score So it will now be affected anyway! I rang up to cancel, and the man wasn’t surprised I cancelled it, would never use admiral for anything again! Reviewed on: 6th February 2020

Quietly supportive, always there when you need them

Admiral had the best rate on the market and so it was an easy choice for me when choosing my loan provider. Their service is quick, simple and effective. Everyone on the other end of the phone knows what they're talking about and you feel secure in their hands. They are quietly supportive because they dont bombard you with junk and emails and texts they just let you get on with it, and are there whenever you need them! Reviewed on: 13th October 2019

Super Star Service

Easy to deal with and a super simple process. Admiral are a definite go to when you need to stabilise your personal finances. Reviewed on: 8th July 2019

Highly recommended !!!!

I had a nice experience with admiral ..they gave me the loan in 3 days i highly recommend Admiral!!! Reviewed on: 8th July 2019

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