Novuna Personal Finance Reviews 

6,226
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Looking at 914 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the online application process is exceptionally quick, simple, and straightforward to complete without ever experiencing any unnecessary hurdles or delays. Many consumers also appreciate the user-friendly mobile application and the helpful support team that constantly assists with seamless everyday account management and payment tracking. Some people were dissatisfied with unexpected administrative fees, ongoing direct debit problems, and persistent difficulties resetting their online account passwords. A few reviewers additionally experienced frustrating challenges when trying to reach phone support or resolve complicated issues regarding their active service agreements.

What people talk about most

User experience

Customers had positive experiences with user_experience, highlighting a simple and timely application process... See more

Service

Users describe positive interactions with service, highlighting efficient loan facilitation, quick... See more

Payment

Clients share ambiguous opinions on payment, with many reviewers highlighting a very easy application process... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting prompt responses and helpful... See more

Application

People report positive experiences with app, highlighting its simple design and useful features. Consumers... See more

Reviews shaping this summary

Rated 5 out of 5 stars

All good approved very quickly. If I could change any thing i would obviously like a better %rate but I understand it's a business. I would also prefer same day deposit in my account. On the whole th... See more

Rated 5 out of 5 stars

As simple as the title, to know in advance that its not going to harm your credit profile applying is a beautiful thing, which to me strengthens your credit report. Very easy to apply, will 100% u... See more

Company replied

Rated 5 out of 5 stars

Super quick and easy online application - took less than 2 minutes to enter details and get a decision then all the docs are online making it really easy to set up. Everything then confirmed instantly... See more

Company replied

Rated 5 out of 5 stars

I’ve used Novuna Personsl Finance for numerous items. Always pleased with their service . Very easy application process with very affordable payment plans.

Company replied


Company details

  1. #58 of 106 best companies in Financial Institution

About Novuna Personal Finance

Written by the company

Need a great Personal Loan?

Come direct to our website for our low rates and exclusive loan options. Our great loans start from just 6.9% APR Representative (based on £7,500 to £25,000).

Who are Novuna?

A leading financial services company, we provide effective Retail Finance options to thousands of big name brands, as well as Personal Loans to help you access the cash you need sooner.

We lent over £3 billion to customers in 2025, allowing them to make big purchases, create memories or enjoy once-in-a-lifetime moments. All without worrying about paying for it upfront.

We don't offer lease vehicles - If you're looking to leave a review about Novuna Vehicle Solutions, that is a completely separate business to us.

We tailor our innovative solutions to match the things you want to buy, from home improvements to holidays, making the process as easy and stress free as possible. And we combine it with award winning customer service.

That's what makes us different.


About us Personal Loans Car Loans Home Improvement Loans Debt Consolidation Loans Holiday Loans Wedding Loans Small Loans

Just some of our awards

We're leaders in our field

We've been named the UK's Best Personal Loan Provider for the last 12 years running. We are also proud to have once again won the official Feefo Platinum Trusted Service award. This is the 7th time we've been recognised as a leader in our field with Platinum status.


Best Personal Loan Provider
YourMoney



Platinum Trusted Service
Feefo



Loan Provider of the Year
Moneyfacts



Contact info

4.6

Excellent

TrustScore 4.5 out of 5

6k reviews

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4.6

All reviews

(6,226)

876 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

I have been with and used Novuna…

I have been with and used Novuna Finance for many years previously.
Always 1st class service and highly recommended.

12 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

We're so pleased to hear about your long term positive experience with us. Thank you for your kind words and recommendation!

Rated 5 out of 5 stars

Missed a payment due to an emergency

Missed a payment due to an emergency, spoke to Pip who was lovely and really helpful a true credit to your team!

14 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Thanks for sharing Toby. I'll make sure to pass this on! Glad to hear that we were able to resolve an issue for you and provide a positive experience

Rated 5 out of 5 stars

All good approved very quickly.

All good approved very quickly.
If I could change any thing i would obviously like a better %rate but I understand it's a business. I would also prefer same day deposit in my account. On the whole though positive result.

10 July 2026
Unprompted review
Rated 5 out of 5 stars

Excellent Service.

Very easy to deal with, extremely helpful, all in all a top class service. Thank you. The application was simple enough, and doesn't take an inordinate length of time.

10 January 2026
Unprompted review
Rated 5 out of 5 stars

Very straightforward to deal with

Very straightforward to deal with.
Very quick to reply and to act. ✔️

8 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

We are so pleased to hear that our service was straightforward and efficient for you. Thanks for sharing Joe!

Rated 1 out of 5 stars

I took this loan in very time but paid…

I took this loan in very time but paid extremly high interest rate not spread over 4 years lian plan. They taken all interest in 2.5 years and principle remained same.

10 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

I'm happy to explain how the calculations in the loan agreement you made stack up Athar. However to do that I'll need some more information, so have sent you a request via Trustpilot. We don't have anyone on file with your name, so I've struggled to find your details.

I should point out though that you've mentioned your agreement is over 4 years, therefore the rate you agreed to will be applicable to that duration. The rate of all our loans are fixed, meaning they don't change.

Once you reply I'll have everything I need to explain, however I doubt these calculations differ much from all the other loans you've taken.

Rated 2 out of 5 stars

Very Disappointing

I rarely leave negative reviews, but I feel other customers should be aware of my experience.

My issue wasn’t with making payments – it was with Novuna’s administration and lack of empathy when dealing over the phone.

I requested that my direct debit payment date be changed. It took three attempts before the change was processed correctly, and during that process the direct debit failed due to errors on Novuna’s side. When I spoke to their team, they acknowledged the problems and apologised for the way the payment date change had been handled.

Unfortunately, despite acknowledging that their own administrative errors contributed to the failed payment and removing the charge they immediately applied to my account, they have refused to amend the missed payment they reported to the credit reference agencies. As a result, my credit file has been damaged through no fault of my own.

I understand lenders have reporting obligations, but I also believe they have a responsibility to ensure the information they report is fair and accurate. If a missed payment arises because of a process the lender mishandled, simply saying “sorry” but refusing to correct the record is disappointing.

The customer service representatives I spoke to were hit-and-miss. Some polite and professional, others not so, but the final outcome was extremely frustrating. I expected better from a company of this size, especially on a simple administrative fix.

I hope Novuna reviews its approach to situations where its own administrative errors have a direct impact on a customer’s credit file.

8 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Should an error on our part cause a missed Direct Debit payment, we'll always review it Luke. Indeed, I'm told we've already refunded the fee you mention above.

Rest assured... When such errors occur (these are obviously rare, but can happen), we'll always work to make sure your credit file is correct.

Hope that puts your mind at rest. Feel free to reach out if you still have questions.

Rated 5 out of 5 stars

Great company, very professional

Very helpful and understanding keeps me up-to-date with things And it has gone very quick six months in

8 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Glad to hear everything's nice and smooth Stewart. Thank you for sharing!

Rated 4 out of 5 stars

Not sure but let's see how this company…

Not sure but let's see how this company treats me as a loyal person who as never missed payment in 30 years. I've only just started with yourself and let's have a smooth 3 years and both of us will be happy people kind regards Mr Lee Holland

8 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Sure we'll be best friends Lee :-)

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