Credit Engine Reviews 2,184

TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Evaluating 977 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the excellent user experience, finding the platform easy to navigate and understand. Many people praise the service for its efficiency and the clarity with which information is presented, especially regarding credit scores and loan options. The staff and customer service are consistently described as helpful, professional, and understanding, providing clear explanations and quick resolutions. However, some customers were dissatisfied with unexpected charges, reporting confusion or a lack of awareness regarding subscription services that led to deductions from their bank accounts. A few other people also felt that the company did not deliver on promised financial assistance, leading to confusion and frustration regarding payments and loan applications.

What people talk about most

User experience

Customers consistently note positive experiences with user experience, highlighting the quick setup,... See more

Service

Customers had positive experiences with service, often praising the efficiency and helpfulness of the... See more

Staff

Users describe positive interactions with staff, highlighting their helpfulness, kindness, and... See more

Customer service

Reviewers mention positive feedback about customer service. Many customers highlight the helpfulness and... See more

Payment

Consumers express significant dissatisfaction with the payment process, frequently reporting unexpected... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Within a blizzard of emails and texts, unknown to me CE set up an account and deducted money from my bank. However when I spotted it and contacted them (which you will not be surprised to hear is extr... See more

Company replied

Rated 4 out of 5 stars

I’ve just signed up with them, and the person I spoke to was very helpful. He walked me through the forms and explained everything as we filled them out. I would recommend Credit Engine to anyone who... See more

Company replied

Rated 4 out of 5 stars

It was straight forward few details and done within about 5 mins 👌🏻 may be even less wasnt watching the clock

Company replied


Company details

Written by the company

Credit Engine was set up to help UK consumers who are struggling to access credit, to understand their credit profile and find credit products that work for them. Whether you have an issue with your credit file you need help with, or want to understand what’s affecting your ability to get credit, we can help. Our team of credit experts are on hand to help you understand what lenders see when making lending decisions. Get a personalised action plan with tips and tasks to help you manage your credit score. With daily updates and 24/7 access to your credit report, you can track your progress towards a healthier credit profile. Try us free for 14 days, membership is £19.99 per month thereafter. You can easily cancel online at any time. If you cancel within your free trial you will not be charged.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 98% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

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Rated 5 out of 5 stars

Very good advice to use it

Very good advice to use it

5 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Paul,

Thank you for your 5-star review!

We're glad to hear that you found the advice helpful.

Kind regards,

The Credit Engine Team

Rated 4 out of 5 stars

Good service

6 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Jimp,

Thank you so much for your positive 4-star feedback!

We are delighted to hear you had a good experience with our service.

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

Beware

I was looking at possibly a short term loan and put in my bank details never got the money and somehow they have taking money out of my account not realising it was a subscription I was signing up for BEWARE

6 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Nicola,

I would like to speak with you to discuss this further.

Please could you provide us with some more details using the link that's been emailed to you from Trustpilot?

You can also contact us via the contact form on our website.

Kind regards,

The Credit Engine Team

Rated 3 out of 5 stars

I have joined today .I am on free trial…

I have joined today .I am on free trial If I found credit engine services are good for me I will join otherwise I will leave it

5 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Qaisar,

Thank you for your feedback.

If you require any further assistance, please contact us via the contact us page on the Credit Engine website.

Kind regards,

The Credit Engine Team

Rated 4 out of 5 stars

Trusted

Not really sure

3 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Bethany,

Thank you for your 4-star review!

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

I unknowingly subscribed to a…

I unknowingly subscribed to a subscription, as I can see from the the reviews, many others have as well. I would never subscribe to something I have no need for. I feel like I've been scammed and will report this if you take the £19.99 pending from my bank. You know people are unknowingly subscribing it's poor behaviour from your site.

3 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Derek,

Thank you for your time today; I am pleased we were able to resolve the issue.

Please do not hesitate to contact us if we can be of any further assistance.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

lent the money paid it back on time

lent the money paid it back on time
no customer service problems

29 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Thank you for taking the time to leave us this positive 5-star feedback!

We're glad to hear that the lending and repayment process was smooth and that you experienced no customer service issues.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

I have so much respect for the kindness…

I have so much respect for the kindness and gesture the lady who called me made. She became aware of some very personal debilitating issues of mine, she was able to intiate something unexpected which was overwhelming to receive and demonstrated that the company genuinely does have their customers finances and general well being at the forefront which is very rare in society today. I can only thank them profusely and state that the lady who handled my call is one of the most empathetic, caring individuals I've had unexpectedly call when not anticipating anything but a5tempts to sell to me. Thank you!

1 April 2026
Credit Engine logo

Reply from Credit Engine

Dear Scott,

Thank you for your incredible 5-star feedback.

We are truly touched to hear how much our colleague's empathetic support helped you during a difficult time.

Your words are a wonderful testament to our team's commitment to our customers' well-being.

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

I applied for a loan over two months…

I applied for a loan over two months ago and, as part of the process, I was asked to provide my bank details so funds could be deposited if my application was successful. However, I did not receive a loan, as I was repeatedly redirected to multiple unrelated pages during the process.

At no point was any membership or subscription clearly disclosed to me. To my understanding, my bank details were requested solely for the purpose of a potential loan deposit.

On Tuesday, I noticed that £19.99 had been taken from my account without my knowledge. Upon investigating, I discovered that I had apparently been signed up for a membership. I immediately cancelled this and contacted them to request a refund.

I was informed that a refund is not applicable because I was allegedly notified about the end of a free trial period. However, I did not receive any such notification. I have thoroughly checked my inbox and spam folders and can confirm that no email was received.

Additionally, it is concerning that this charge has only appeared now, despite the supposed free trial lasting 14 days and over two months having passed since I initially signed up.

Given these circumstances, I believe this charge is unjustified. As my refund request has been denied, I have now escalated this matter with my bank

31 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Brandon,

I would like to speak with you to discuss this further.

Please could you provide us with some more details using the link that's been emailed to you from Trustpilot?

You can also contact us via the contact form on our website.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Easy to use anyone can use the app

Easy to use anyone can use the app

30 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Nathan,

Thank you for your fantastic 5-star review!

We're delighted to hear that you found the app easy to use.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

This company/website are a CON

Edit: that nice man called me and resolved any confusion with issues. A good company.

1 April 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Andrew,

Thank you for your time today; I am pleased we were able to resolve the issue.

Please do not hesitate to contact us if we can be of any further assistance.

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

have been charged of 19.99 without…

have been charged of 19.99 without premission, this is a company which is born for cheating,

31 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

I would like to speak with you to discuss this further.

Please could you provide us with some more details using the link that's been emailed to you from Trustpilot?

You can also contact us via the contact form on our website.

Kind regards,

The Credit Engine Team

Rated 1 out of 5 stars

Subscription Trap !!SCAMMERS!!

I was trying to check my credit score and was asked for my bank details. I was told no money would be taken, and it is just to confirm my details but this seems to be a subscription trap. Be careful—they may automatically charge you after the trial.
I immediatley cancelled on the same day when i saw the transaction of £19.99 and contacted them for a refund as I cancelled on first day and wasnt aware of subscription they refused.

SCAMMERS!!!!

31 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Muhammad,

I would like to speak with you to discuss this further.

Please could you provide us with some more details using the link that's been emailed to you from Trustpilot?

You can also contact us via the contact form on our website.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Highly Recommend

Highly Recommend

31 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Donna,

Thank you for your fantastic 5-star review!

We are delighted to hear you would "Highly Recommend" us.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Very easy and straight forward to do…

Very easy and straight forward to do all the online forns were and the quickness

30 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Alistair,

Thank you for your kind 5-star review!

We're delighted to hear that you found the online forms straightforward and the process quick.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Amazing customer service

Amazing customer service. The gentleman I spoke to was well mannered, professional and knowledgeable.

30 March 2026
Credit Engine logo

Reply from Credit Engine

Dear Chinedum,

Thank you so much for your fantastic 5-star review!

We are delighted to hear that you had such a positive experience and found our team member to be well-mannered, professional, and knowledgeable.

Kind regards,

The Credit Engine Team

Rated 4 out of 5 stars

Surprise! £19.99 Subscription you didn’t know was going to happen

Looking for a loan, as desperate broke people do, two weeks ago. Kept getting forwarded to different sites. Eventually I got sent to this one, submitted my request for a loan putting in my account details and everything and got forwarded to another site. Today £19.99 was taken out of my account from here and I had no knowledge I signed up to a subscription just by looking for a loan?! I would love a refund, tried calling today and I just got an automated response, none which would help putting me in contact with an employee.

Edit: after this review, 2 hours later I got a call from Lorraine. Shout out to her honestly. Got a refund. Her service was impeccable. Thank you so much!!!

30 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Brianna-Rose,

Thank you for your time today; I am pleased we were able to resolve the issue.

Please do not hesitate to contact us if we can be of any further assistance.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Thanks I recommend

Thanks I recommend

30 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Aleksandra,

Thank you so much for taking the time to leave a 5-star review!

We're delighted to hear you recommend us.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Great service

27 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Ryan,

Thank you so much for your positive 5-star review!

We are delighted to hear you had a great experience with our service.

Kind regards,

The Credit Engine Team

Rated 5 out of 5 stars

Credit engine offered accurate credit…

Credit engine offered accurate credit reports and insights this has really helped me to organise my credit report

27 March 2026
Unprompted review
Credit Engine logo

Reply from Credit Engine

Dear Chanel,

Thank you for taking the time to share your positive 5-star review!

We are so pleased to hear that Credit Engine's accurate credit reports and insights have helped you organize your credit report.

Kind regards,

The Credit Engine Team

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