Novuna Personal Finance Reviews 

6,232
TrustScore 4.5 out of 5

4.6

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 906 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the exceptionally quick and simple online application process, highlighting that approvals happen within minutes and loan agreements are very straightforward to set up. People also appreciate the user-friendly mobile app, which makes managing accounts, viewing transaction details, and tracking payment progress completely straightforward. Some reviewers were not happy with unexpected late fees, noting ongoing frustration with direct debit management and resolving account administration problems. A few customers additionally mentioned difficulties when trying to get assistance regarding faulty product purchases or communicating effectively with support teams.

What people talk about most

User experience

Consumers find user_experience to be a very positive and seamless journey from start to finish. Reviewers... See more

Service

Reviewers highlight positive aspects of service, noting that the application process is simple, quick, and... See more

Payment

Users describe ambiguous interactions with payment services, noting a split in their overall experiences. On... See more

Customer service

Clients share positive opinions on customer service, highlighting reliable support and helpful advisors. Many... See more

Application

Reviewers mention positive feedback about the app, expressing high satisfaction with its usability and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Never thought I would have such a great experience I am so happy with Novuna which I have 3 diffident Lao. X2 interest free and other at 6% doe 3 years which almost over and my next big loan will be a... See more

Company replied

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

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

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


Company details

  1. 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

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

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

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

4.6

All reviews

(6,232)

884 reviews in the last 12 months

Write a review
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

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 :-)

Rated 1 out of 5 stars

Don't understand why they need your…

Don't understand why they need your bank details before they have made a decision on whether you get a accepted or not.

7 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

While Martin Lewis once mentioned your 'Credit Score' doesn't actually exist, we do need to look at your past and current use of credit when making our decisions Gary.

While I'm not in that department, I assume your bank account allows us to ensure we're looking at the right credit report. Without this we'd likely decline you purely because we didn't have any information for you... oh and we also need to know where to pay your money :-)

Rated 5 out of 5 stars

Very effective and simple way to spread…

Very effective and simple way to spread the cost of expensive item
approved in minutes and simple to manage with direct debit

27 January 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

It's great to see positive feedback about quick approvals and simple service! That's our aim. Thanks for sharing!

Rated 3 out of 5 stars

Not very happy

I was not happy that you couldn’t amend my d.o.b when I called the customer service,I had to forward an email to this 🙄

6 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Hi Anne, I understand that you wanted to be able to amend your DOB on call with customer service but for clarity, certain personal details such as date of birth can’t be amended over the phone, as we require written confirmation to ensure accuracy and to also meet security and regulatory requirements.

Once received, we can get it updated for you asap.

Rated 5 out of 5 stars

Novuna's always great to do business…

Novuna's always great to do business with, super quick and easy, and their app has all the details you need. Money's transferred, communication's great, I'm really pleased,thank you

4 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Thanks Matt, that always good to hear. If you ever need us just shout.

Rated 5 out of 5 stars

Novuna

Novuna, Novuna, Novuna! What did I say? Thank u so much. Applied for personal loan very easy process. Wasn't expecting this and the interest you charge is reasonable. I'm glad I came back to you. I've used you in the past no regrets. I might come back again in 2 years!

3 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

We are too! Just remember, you need anything at all, we're here for you today... and will be in the future!! Have a great day.

Rated 5 out of 5 stars

Very good service and fast

Very good service and fast, reliable and easy to use

5 January 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Thanks Simon, we appreciate the positive feedback

Rated 5 out of 5 stars

Returning customer

Been with you for years always had a great experience and keep coming back thanks

6 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Great to hear Dennis, thank you. Any questions you know where we are.

Rated 5 out of 5 stars

Easy process and quick service has…

Easy process and quick service has helped us with our building project. Thank you.

3 July 2026
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Thanks for sharing Liam, really glad to hear that we managed to help with your project! Hope it all is going/went well! Thanks

Rated 1 out of 5 stars

We purchased a table from Furniture…

We purchased a table from Furniture village,first mistake I know and funded through Novuna and yes another mistake.We have issues with the table which is 8 months old and neither Furniture village or Novuna will help.They say you never know what a company is like until you call for help,well we did call for help and they are not interested.
Do not use Furniture Village (look at other reviews).
Do not use Novuna to finance either.

29 September 2025
Unprompted review
Novuna Personal Finance logo

Reply from Novuna Personal Finance

Hi Gary. Personally I'm unaware of the problems you've been having with your table, but I'll send you a request for information via Trustpilot. This will allow me to follow up with our Customer Service Team, to understand how you've made us aware of this and the detailed history of the case.

For a faulty product, the first step is obviously to report the issue to the retailer, as the retailer sold the goods and has the primary obligations under the Consumer Rights Act. However, while we can't speak for the retailer, Section 75 of the Consumer Credit Act will probably come into play here too.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look