Believe Loans: most-reported complaints
Automated analysis of 550 public Trustpilot reviews published 2018-07-26 to 2026-09-20. TrustScore 4.9 from 10,311 total reviews — see the Trustpilot page. Quick answer: is Believe Loans legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that support is unhelpful, accounting for 59% of the 95 complaints identified in the last 550 reviews. Other frequent issues include being unable to reach support, which represents 15% of complaints, and general concerns categorized as 'other' at 22%. A smaller portion of reviewers, 7%, cited misleading pricing as a primary concern. The trends for unhelpful and unreachable support are rising, while the other categories remain flat.
How to reach Believe Loans
These are the contact details Believe Loans publishes on its Trustpilot profile, as of our last check on 2026-09-23 — phone 01302 590 853, email [email protected], address Heavens Walk, Doncaster, DN4 5HZ, GB.
The company claimed its Trustpilot profile on 2017-08-30, uses Trustpilot’s paid features, and last replied to a negative review on 2026-09-21. Trustpilot ranks it 19 of 168 in Non-Bank Financial Service. We last checked this profile on 2026-09-23 and found 42 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: BELIEVE LOANS LIMITED (no. 10712649), active, incorporated 2017 (9.4 years); next accounts due 2026-09-30, last accounts filed 2025-12-17, 1 registered charge. 4 current officers (6 on record historically); 10 filings in the last 12 months (49 filings on record). official record — public register facts, not an indicator of wrongdoing; officer changes are routine in many company structures. Live Companies House status as of 2026-09-23.
Forum footprint: 30 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “If you believe Wonga loans look bad and affect your credit score - read this!”, “PPI on car loan”, “Evidence of broker question”.
Elsewhere: 4.4★ on Google (22 reviews)
TrustScore over time
4.9 → 4.9 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (100%, 0.4d) · 2026-08-15 (95%, 0.4d) · 2026-08-18 (100%, 0.5d) · 2026-08-21 (100%, 0.5d) · 2026-08-24 (100%, 0.5d) · 2026-08-27 (100%, 0.5d) · 2026-08-30 (100%, 0.5d) · 2026-09-05 (100%, 0.5d) · 2026-09-08 (89%, 0.5d) · 2026-09-11 (95%, 0.5d) · 2026-09-14 (100%, 0.4d) · 2026-09-17 (100%, 0.4d) · 2026-09-20 (100%, 0.4d) · 2026-09-23 (100%, 0.4d).
Severity: 8% of this company’s 95 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
Reviewers here waited a median of 2.4 days between the experience and publishing their negative review (83 reviews record both dates).
Measured reply time: across 99 negative reviews that received a public reply, the median wait was 0.7 days — the company profile reports an average of under a day.
Reply quality: of 99 company replies to negative reviews analysed, 25% engaged with the specific problem and 49% were generic templates.
Review provenance: 174 company-invited reviews in the recent window average 4.94★, while 319 organic (uninvited) reviews average 4.89★.
28% of its 472 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 59% of this company’s complaints vs a 28% median across 169 ranked companies in its sector.
Review velocity: 2,588 of this company’s 10,311 Trustpilot reviews (25%) were written in the last 12 months.
What are the most common complaints about Believe Loans?
Support unhelpful
56 reports · 59% of complaintsrising since 2025-04“now we are left with double the amount of debt and more worry”
The company replied on 2024-04-25: “Thank you for providing this feedback Mrs Whittaker and updated review. As you are aware, we are currently investigating your complaint and working to resolve this situation as quickly as possible.…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
2 readers marked this review helpful on Trustpilot.
“He didn’t let me get a word in before he put me on hold and transferred me instantly.”
The company replied on 2024-10-04: “We are sorry that your experience with us was not a positive one. We have referred your review to our Network Compliance team who will look into your case and reply back to you shortly.”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“I was simply told no. That wouldn't be necessary so I agreed to go ahead”
The company replied on 2024-05-13: “Thank you Tonia for posting your very detailed review, we are sorry that you feel your experience with Believe Loans hasn't been a good one so will address the points you have made. Unfortunately, an…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
Other
21 reports · 22% of complaintssteady“Our case advisor did not reply to emails for days”
The company replied on 2025-07-16: “We are sorry that your experience with us was not a positive one. We have referred your review to our Network Compliance team who will look into your case and reply back to you shortly.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“communication I thought was not the best when texting the advisor”
The company replied on 2025-06-05: “We are sorry that your experience with us was not a positive one. We have referred your review to our Network Compliance team who will look into your case and reply back to you shortly.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“I had to phone her on the last day to actually ask her to go and check”
The company replied on 2025-06-05: “We are sorry that your experience with us was not a positive one. We have referred your review to our Network Compliance team who will look into your case and reply back to you shortly.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Support unreachable
14 reports · 15% of complaintsrising since 2025-04“Constantly calling and not receiving a call back.”
The company replied on 2026-06-16: “Thank you for taking the time to share your feedback. We are very sorry to learn that your initial experience did not reflect the high standards of service and communication that we strive to…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“I asked the company to stop saying it is borderline harassment”
The company replied on 2025-08-01: “We pride ourselves on our excellent customer service and are very disappointed to learn that your experience with us was not a positive one. Please be assured that we take all complaints seriously…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“No further communication.”
The company replied on 2025-07-24: “Thank you for leaving this review, we have requested further information from you to track down your enquiry. We are aware there has been significant problems with the EE and Vodafone networks today…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Misleading pricing
7 reports · 7% of complaintssteady“I was simply told no. That wouldn't be necessary so I agreed to go ahead”
The company replied on 2024-05-13: “Thank you Tonia for posting your very detailed review, we are sorry that you feel your experience with Believe Loans hasn't been a good one so will address the points you have made. Unfortunately, an…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
“hidden charges so any prospective customer needs to read the small print”
The company replied on 2026-09-21: “We pride ourselves on our excellent customer service and are very disappointed to learn that your experience with us was not a positive one. Please be assured that we take all complaints seriously…”
Our classifier read this reply as a template response.
“try to push me for a secured loan after advising 03-04 times, Felt like being scammed.”
The company replied on 2026-08-17: “We pride ourselves on our excellent customer service and are very disappointed to learn that your experience with us was not a positive one. Please be assured that we take all complaints seriously…”
Our classifier read this reply as a template response.
Overcharging
4 reports · 4% of complaintsfalling“they with drew it. They offered us a further agreement but at a higher rate than the first”
The company replied on 2024-05-29: “Believe Loans regret that you have had cause to complain. The Compliance Team are currently investigating all of the concerns raised and will respond to you as quickly as possible. Please be assured…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“They literally put you on to a loan provided and take money of you for it”
The company replied on 2026-09-18: “We pride ourselves on our excellent customer service and are very disappointed to learn that your experience with us was not a positive one. Please be assured that we take all complaints seriously…”
Our classifier read this reply as a template response.
“Fees were very expensive which I only found out at the later stages of the application.”
The company replied on 2021-11-29: “Thank you for your feedback that you found Believe Loans to be efficient and professional. We value any feedback we receive in relation to your experience with us and endeavour to use this…”
Our classifier read this reply as a template response.
Contract term changes
3 reports · 3% of complaintssteady“changed the terms of the loan without my agreement”
The company replied on 2025-12-22: “We pride ourselves on our excellent customer service and are very disappointed to learn that your experience with us was not a positive one. Please be assured that we take all complaints seriously…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“tried under the laws of England and Wales as I hadn't signed anything I was free to cancel”
The company replied on 2024-10-07: “We are sorry that your experience with us was not a positive one. We have referred your review to our Network Compliance team who will look into your case and reply back to you shortly.”
Our classifier read this reply as a substantive response.
It promised: to escalate.
“the link to the terms and conditions does not display anything”
The company replied on 2021-06-04: “Hi Big Steve , We apologise if you could not access our terms and conditions , our IT department have been running some tests over the last few days and everything does seem to be working fine. We…”
Our classifier read this reply as a deflection.
Compare Believe Loans with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-20.