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Vanquis : Loans reviews

Name: Loans
Rating: 4.94 (1253 reviews)

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4.91

Based on 1,253 reviews, last reviewed 11th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

96%

2 star

Latest highest rating:

5

Fatntastic. Fatntastic. I just applied and in amattwr of sexconds it was all sorted Reviewed on: 16th April 2025

Latest lowest rating:

1

I have had the WORST experience with Vanquis bank I have had the WORST experience with Vanquis bank and would never recommend them to anyone. They prey on people who are in a financially precarious si... Read more Reviewed on: 11th September 2025

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Vanquis Loans reviews (1253)

I have had the WORST experience with Vanquis bank

I have had the WORST experience with Vanquis bank and would never recommend them to anyone. They prey on people who are in a financially precarious situation. I took a loan from them in February 23 following my mothers death to pay funeral expenses. I paid this every month without fail. In late 2024 i moved bank and they could no longer take payment through CPA. I was provided with a reference number to set up a standing order as they do not so direct debits - which is weird - but OK. I then start getting hounded with calls saying i haven't paid. EVENTUALLY they identify i was given a wrong reference number. They then sold my account to antelope loans saying i was behind a month in payments when i was not. I have provided various items of proof and they still couldn't sort it out. I had to contact the ombudsman. They agreed to rectify. I have asked on multiple occasions for written confirmation from them and they just ignore or send non sensical replies with poorly written English. They have affected my credit file despite me NEVER missing a payment. They have offered me compensation twice which hasn't been paid. They are the worst company I have ever had the misfortune of dealing with and will never again. Please protect yourself from this company who are the most inept!!!!!!!! Reviewed on: 11th September 2025

Fatntastic.

Fatntastic. I just applied and in amattwr of sexconds it was all sorted Reviewed on: 16th April 2025

I am near the end of my loan and never...

I am near the end of my loan and never had a problem Reviewed on: 24th May 2024

Shockingly bad!!

I’m dispute with them currently, they don’t respond, don’t take the money then it goes against your credit rating. They take the money and still say missed on credit report. Complete mess Reviewed on: 21st March 2024

Recently I have suffered identity theft with this bank.

Recently I have suffered identity theft with this bank. Someone opened credit card just with my name! It’s that easy to open it, yeah… It was more than 8 weeks ago, they said they closed that credit card, but they didn’t and now it ruined my credit score because of missed payments. And no one is willing to help me, customer service is so poor. Avoid this bank at any cost! Reviewed on: 5th January 2024

Overall poor

I took out a loan with Vanquis and the only repayment method is through card. This was working fine until I changed my card details with them in June and thereafter my July payment failed. Vanquis then called me 3 days later to make payment which I did straight away and for some reason they found it fit to leave a no payment marker on my credit file. This dropped my score by 19 points so far because even though they were quick enough to put on the no payment marker they failed to update my file with just a late payment mark on it. Raising a dispute made no difference as Vanquis said they followed the process of changing my card details and therefore are not in it wrong to mark my credit report. Very poor response for a payment that’s only 3 days late with an action that will affect my credit file for 6 years. I don’t understand why they don’t use a direct debit system like other lenders Reviewed on: 7th September 2023

Very flexible

The best loan company for me. So easy to apply and they accept you even with bad credit. Reviewed on: 20th July 2023

The easiest and most convenient loan!!!

Vanquis is the most reliable and easiest bank to apply for a loan. The processing. Was fast and credit checks procedure is just superb! You can get the loan within 48-72 hours straight from your account! Highly recommended!!!! Reviewed on: 20th July 2023

Loan

Very helpful staff with loads of free advice Reviewed on: 17th July 2023

Best loan ever

Really quick and easy process I received my money and everything was good, big up Vanquis Reviewed on: 17th July 2023

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