etika UK
Etika UK is a financial services company based in Manchester, England. They specialize in loan agencies and offer a range of financial services to their clients.
Introduction to etika UK
Etika UK is a loan agency and financial services company that has been operating for several years. The company was founded with the purpose of providing quick and easy loans to customers who need them. What makes etika UK unique is that it offers loans with flexible repayment options, making it easier for customers to manage their finances.Services & products
Etika UK offers a variety of loan options, including short-term loans and personal loans. Customers can borrow up to £2,500 and can choose repayment terms ranging from 3 to 12 months. The company also offers debt consolidation loans to help customers manage their existing debts.Location
Etika UK is located in the bustling area of Ancoats in Manchester, England. The area is known for its vibrant atmosphere and is home to a variety of businesses, including cafes, bars, and shops. Customers can easily access the area via public transportation, with the closest tram stop, New Islington, just a 5-minute walk away. Other nearby options include Piccadilly and Victoria train stations, both less than 1 mile away.Benefits
Etika UK stands out from other loan agencies and financial services companies due to its commitment to customer service. The company's friendly and knowledgeable staff are always available to answer questions and help customers find the loan option that best fits their needs. Additionally, etika UK offers flexible repayment options, making it easier for customers to manage their finances.Good to know
Customers should be aware that etika UK is a responsible lender and will only offer loans to those who can afford to repay them. The company also encourages customers to seek financial advice before taking out a loan.Reviews
Customers have praised etika UK for its excellent customer service and easy-to-use loan application process. Many have also appreciated the company's flexible repayment options, which have helped them manage their finances more effectively.FAQ
What types of loans do you offer?
At etika UK, we offer personal loans and guarantor loans for a range of purposes, including debt consolidation, home improvements, and car purchases.What are the interest rates for your loans?
Our interest rates for personal loans range from 3.2% to 49.9% APR, and for guarantor loans from 29.9% to 49.9% APR. The rate you are offered will depend on your individual circumstances and credit history.What is the application process for a loan?
To apply for a loan with etika UK, you can complete our online application form. We will then assess your application and provide you with a decision as quickly as possible. If approved, we will transfer the funds to your bank account.What are the requirements for loan approval?
To be eligible for a loan with etika UK, you must be over 18 years old, a resident in the UK, and have a regular source of income. We will also assess your credit history and affordability to ensure that you can afford the loan repayments.What happens if I miss a loan payment?
If you miss a loan payment, you should contact us as soon as possible to discuss your options. Depending on the circumstances, we may be able to offer a repayment plan or a temporary payment holiday. However, missed payments may affect your credit score and incur additional charges.Reviews
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Kevin-Anthony O'Neill
Very poor service, never responded to 6 emails over two month period. Issued final response saying contact not responded to three times. Data subject access request sent via email instead of post and outside of 30 Calander days required. Offered £30 compensation. Case referred to information commissioner's office and financial ombudsman service. Beware of this company. Company did not respond within time frame
25-05-2023
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Aslam Saeed
Case Reference: C-0877 Was offered Apple Watch and Amazon Prime Account for £7.99 month but unfortunately none of these were offered from Vitality, instead they have signed me for £79 Through Etika Finance, which is complete fraud that loves phoning and emailing us saying we will put default on your credit file if we don't pay up, they love writing long essay about my conversation on the phone
26-04-2023
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Javed Aslam
Terrible + Liars Terrible, worst product ever forced into a contract, could prove i was doing steps and still had to pay. I do have an account with Vitality and i pay 7.90£ for the 9-months, i try to cancel several times and could not and now you are letting me know, i am not a customer ? That's dishonest. I dont have an apple watch and it was NEVER mentioned it was a requirement, i have google fit on my phone
26-04-2023
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Dom O'Connell
Possibly the most useless company in existence. Their direct debit system has failed in two months, plenty of money in my account, so the problem is on their end. But there is no option to re-try the direct debit request, so you must add a card and make the payment manually. It's completely unheard of that a direct debit system will not automatically re-try, let alone allow the option for a user or admin-prompted re-try. The customer service is not great either, with staff offering no more information or help than is available on their website. All in all, very janky, unfriendly, and insanely frustrating. But I'm at their beck and call because they're Vitality's PSP provider. Hopefully Vitality will reconsider their partners at some point in the future and choose one that works. Until then I guess I'm logging into this system every month to make manual payments. Lucky me.
26-04-2023
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Chaz Johnak
Terrible company. Wanted more paper of me than you would need for a mortgage. Even selfie with me holding my license what a joke. Now they want me running emailing retailers in order to get my deposit back. Stay away much better choices out there. All over £280 loan wanted my life story.
26-03-2023
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Sonya Brassington
no problems with this company at all helped me pay for a mobility scooter which was must needed at the time highly recomend
26-02-2023
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sarah rarity
I have a great credit rating and yet they still decline me for a measly £7.49 per month account for AP through my health insurance. Never give a reason and the only year they did agree it they never had any issue with me.
26-12-2022
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Jessica Cook
I have been a victim of fraud due to a cyber attack with various companies. Sky mobile, Virgin Mobile, Tesco Mobile, Argos all investigated, dealt with and got rid of immediately as it was so clearly obvious it was fraudulent activity. We have reported to the police and have a crime reference number and yet Etika have investigated and are the only company to find that they do not believe it is fraudulent and have sent letters demanding money that we have not spent! Such poor communication and causing such stress. How this one company can come to such a different conclusion to all the other named companies above & police involvement is shocking! Do Not Use this awful company!
26-08-2022
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Alan Wright
I've never had a finance company make you jump through so many hoops for such a small loan (£1'100 for my new private number plate) I have an Experian credit score of 999 out of 999. I proved my income of nearly £50k by sending my P60 and then they start asking for Bank statements to prove income. (P60 proves all my taxable income) so I got fed up with all the hassle told them to cancel my application and just paid cash for my purchase. I WON'T deal with Etika again!!!
26-06-2022
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Veronica Moody
Unfair and do not take the blaringly obvious into consideration. They want you to pay for something that you are not using. This company, like many others out there that are dodgy, needs to be shut down!!!!!!!!!!!!!
26-05-2022
