Ondal Reviews 

1,748
•
TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Looking at 154 reviews, most reviewers were somewhat happy with their experience overall. Consumers appreciate that obtaining short-term credit is fast and straightforward, providing quick financial help when they are in a pinch. Many people find the online application process remarkably smooth and note that the requested funds are transferred promptly to their accounts without any unnecessary complications. Some reviewers were not happy with the customer service, experiencing prolonged wait times and severe difficulties getting in touch with support representatives. Customers also pointed out frustrating issues with the payment portals, unexpected additional fees, and receiving conflicting communications regarding the status of their outstanding loan balances.

What people talk about most

Payment

Consumers find payment to be frustrating, reporting that loan repayments can be abruptly demanded in full... See more

Customer service

Reviewers highlight negative aspects of customer service, describing experiences filled with frustration,... See more

Service

Reviewers mention ambiguous feedback about service, with some customers praising the quick and easy loan... See more

Customer communications

Customers consistently note negative experiences with customer communications, expressing deep frustration... See more

Response time

People report negative experiences with response time, expressing frustration over long phone queues and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Ondal has it's good and bad aspects. The loan APR and daily interest is high but it's hardly different from most other loans in the market for people with bad credit in that regard However I've s... See more

Rated 3 out of 5 stars

Trying to call about my loan as I'll be 2 days late on payment, your emails are no reply emails, you say you are open till 7:30pm but closed when I'm calling at 6:22. I've now tried to call email mul... See more

Company replied

Rated 3 out of 5 stars

Easy, fast application and payout, however they performed a hard credit check on my first application despite them claiming they only do a soft search so borrowing with Ondal perhaps is not idea... See more

Rated 3 out of 5 stars

The reasons i m only giving a 3stars there fast at give the payment you have asked for but it seem that i m not getting anyway when the amount of how much i own goes down to around £230 and within a m... See more


Company details

  1. Loan agency
  2. also in
  3. Alternative Financial Services
  4. Financial Institution

About Ondal

Written by the company

24/7 ethical on-line lending. A new breed of financial institution allowing you to borrow only what you need for as long as you need it .

Simple, convenient, transparent and responsible borrowing @ fairly priced services.

Up to x7 cheaper than unauthorised overdrafts from the UK high street bank (Which May 2018)

- Typically costing less the £2 a day
- Money agreed and delivered instantly
- NO Early repayment penalties

www.myfinanceclub.com

Contact info

3.7

Average

TrustScore 3.5 out of 5

2k reviews

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

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 16% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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

3.7

All reviews

(1,748)

138 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 1 out of 5 stars

Do not seem to know what they are doing.

I took out a loan with Ondal. When checking my account after it stated loan repayment was due in may, In my email correspondence it had listed a schedule of dates and payments that were to be made. But these payments did not add up to the amount it stated was due in may. I contacted them, with no reply. The first payment date came and payment was made. I then received an email to say I had not paid my loan and they would be adding daily interest. I contacted them again, to get no response.

28 February 2026
Unprompted review
Rated 1 out of 5 stars

Absolute dog s***

Absolute dog shit!! Had 3 loans all paid on time or before they were due and since then it’s constant declines.

Won’t ever be trying again and will warn people in future not to come to you

PS wouldn’t bother filling the “CONTACT US” form nothing ever happens anyway

22 February 2026
Unprompted review
Rated 5 out of 5 stars

Unexpected bill

Unexpected bill. Application took 15 min, literally 15 minutes. Money in the account immediate. No fuss, no extensive proof of this, proof of that.
I am going to choose this company if I ever again need to. Brilliant!

11 February 2026
Unprompted review
Rated 5 out of 5 stars

Fantastic

Absolutely fantastic company, iv worked for 12 years in the same job im 32, I recently lost my job and had a nervous breakdown then I was signed onto sick pay, I had such bad anxiety about having to ring them about a payment plan but the staff couldn't have been nicer. Extremely understanding with very good options

10 February 2026
Unprompted review
Rated 1 out of 5 stars

Ondal issued 6 loans to me within a 2…

Ondal issued 6 loans to me within a 2 month period.

After contacting them, they agreed they had irresponsibly lent and agreed to pay compensation.

However, I’m still waiting for the funds to be paid to my account.

*****I can’t stress this enough, if you’ve had multiple loans issued in a short space of time you can file an irresponsible lending claim, and may be entitled to compensation***

***Happy to update review when compensation is paid. However, Ondal is needlessly dragging out the process***

1 February 2026
Unprompted review
Rated 4 out of 5 stars

Credit score beware. Repeat hard searches

pays out fast but does a hard search every time and is very bad for credit score unlike competitor sites. This is a use once in an emergency situation. If youre prone to impulsivity and gambling definitely stay away as the application is so fast and instant I can see it being a problem if you have those issues.

8 February 2026
Unprompted review
Rated 2 out of 5 stars

I got a loan for 150 paid back the 200…

I got a loan for 150 paid back the 200 on time tried to get another one and got declined

27 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Kai,

Thank you for your feedback. We know how frustrating this can be.

Please call us on 0808 812 6577 or use the 'contact us' (https://www.ondal.co.uk/contact-us) page on our website to discuss in detail.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 5 out of 5 stars

Officially my favourite loan provider

Officially my favourite loan provider. They’re supportive and understanding and have a generous acceptance policy which allows you to choose either paying in monthly instalments or all in one go within a few months with very little interest compared to other companies

28 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Shakyira,

Thank you for your kind review!

We're so glad you were happy with our service. This is what we aim for!

Thanks for your feedback, and we hope to see you again soon.

Rated 1 out of 5 stars

Really bad customer experience mistake…

Really bad customer experience mistake on their system reference dates and complaint was raised, you get asked to email them and you get a very 1 line approach, loan is more or less paid off, you do sign up for high interest, but the interest now supercedes the original interest, dont want to speak to you on the phone wanted to give them the oppurtunity to speak but kept directing me to email so have gone to the ombudsman, i can clearly see there is a IT mistake, 1 phone call is all it takes, but nothing.

23 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Benjamin,

Thank you for your feedback and we are sorry to hear that.

We want to give customers the best service we can. Your comments will help us improve.

Please call us on 0808 812 6577 or use the 'contact us' page (https://www.ondal.co.uk/contact-us) on our website to tell us more.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 1 out of 5 stars

Interest so high don't bother

Interest so high don't bother.
Update the reply says it all double what you borrow my god that's insane you borrow 1k you pay back 3k 🤪🤪🤪🤪🤪

13 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Alan,

Thank you for your feedback.

Our interest rate complies with Financial Conduct Authority guidelines and is capped so that customers never owe more than twice what they borrowed from us.

Call us on 0808 812 6577 or use the 'contact us' page (https://www.ondal.co.uk/contact-us) on our website if you would like further details.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 5 out of 5 stars

Ondal Loans

The process was very quick and satisfactory. I can thoroughly recommend them

6 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Alan,

Thank you for your review!

We always aim to provide the highest quality service. It means a lot that you would recommend us!

We hope to help again in future.

Rated 1 out of 5 stars

They sent my money to a closed bank…

They sent my money to a closed bank account and also once it bounced back to them they classed it as paying back the loan and won't actually accept me for another. Terrible service unfortunately

30 December 2025
Unprompted review
Ondal logo

Reply from Ondal

Hi Liam,

Thank you for your feedback. We know how frustrating this can be.

Please call us on 0808 812 6577 or use the 'contact us' page (https://www.ondal.co.uk/contact-us) on our website to discuss in detail.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 2 out of 5 stars

I also had a bereavement which caused…

KI also had a bereavement which caused me to be late repaying and although it was paid and two earlier loans were paid on time ive been declined ever since. No compassion or understanding at all. In response to your reply ive used the contact page as you advised but not heard back from you as yet and still being declined when i apply. Will update this review as and when the issue is resolved. *Update* Still unresolved. No reply to these review updates or message via the contact us page. Very poor customer service. Ive just received a cheeky email dated today 7/1/26 saying due to previous issues with my account they wont be lending to me again. Im being penalised for one late repayment due to financial difficulties arising from a death in the family. Absolutely disgraceful so watch out everybody. This is not a company to deal with unless you are desperate and i hope ypu dont go through what i have.

3 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Keith,

Thank you for your feedback. We know how frustrating this can be.

Please call us on 0808 812 6577 or use the 'contact us' page (https://www.ondal.co.uk/contact-us) on our website to discuss in detail.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 5 out of 5 stars

Genuine company and is always my go to

Best loan company available; Have secured many loans over many months (and always pay back in full), the only loan company that is genuine and always reliable and trustworthy.

3 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Charlie,

Thank you for your review.

We want all our customers to have a smooth journey, so are thrilled you found the process so straightforward.

We hope you’ll consider Ondal again in future.

Rated 1 out of 5 stars

DO NOT USE

I got 2 loans from them but they refused to give me a third even though i wasnt late on the repayments.

1 January 2026
Unprompted review
Ondal logo

Reply from Ondal

Hi Patrick,

Thank you for your feedback. We know how frustrating this can be.

Please call us on 0808 812 6577 or use the 'contact us' page (https://www.ondal.co.uk/contact-us) on our website to discuss in detail.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 2 out of 5 stars

I’ve been accepted but when I try to go…

I’ve been accepted but when I try to go through the final phase of accepting the actual loan it goes back and says we are processing your application loading… been saying that for a while so im not sure what its doing.

24 December 2025
Unprompted review
Ondal logo

Reply from Ondal

Hi Jaden,

Thank you for your feedback.

We want to give customers the best service we can. Your comments will help us improve.

Please call us on 0808 812 6577 or use the 'contact us' (https://www.ondal.co.uk/contact-us) page on our website to tell us more.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

Rated 5 out of 5 stars

I had a loan from them with no fuss

I had a loan from them with no fuss. However, I there was a bereavement in my family and I had to contribute to the costs which meant I wouldn't be able to make the payment which was really stressing me out.

I contacted them and explained what had happened, no judgement just really helpful.

Thank you Ondal. Very understanding and helpful. Great service!

16 December 2025
Unprompted review
Ondal logo

Reply from Ondal

Hi,

Thank you for your kind review!

We're so glad you were happy with our service. This is what we aim for!

Thanks for your feedback, and we hope to see you again soon.

Rated 1 out of 5 stars

They never stop even if you don't want…

They never stop even if you don't want the loan, beware

17 December 2025
Unprompted review
Ondal logo

Reply from Ondal

Hi Thomas,

Thank you for your feedback.

We want to give customers the best service we can.

Please call us on 0808 812 6577 or use the 'contact us' (https://www.ondal.co.uk/contact-us) page on our website to tell us more.

Our hours are:

• 08:30am-19:30pm on weekdays

• 09:00am-16:00pm on Saturdays

• 10:00am-16:00pm on Sundays

We look forward to hearing from you.

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