UK Credit Cashback

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Terms & Conditions and other useful information
  • What will stop me getting cashback?
    • Using a promotional/voucher code not posted and approved by TopCashback.
  • What else is essential?
    • The cashback scheme is an arrangement between TopCashback and you. Any queries or complaints relating to the cashback scheme must first be raised with TopCashbackThis is a guarantor loan product; you must have a guarantor to support your UK Credit loan application and UK Credit will make the guarantor aware of the cashback arrangement between you and TopCashback.
    • By completing an application to UK Credit Limited you are consenting to these terms and conditions.
  • Good to know
    • UK Credit cashback can be earned simply by clicking through to the merchant and shopping as normal.
    • UK Credit Cashback is available through TopCashback on genuine, tracked transactions completed immediately and wholly online.
    • Cashback will be payable 6 months from the funded loan date.
    • The rates above include a bonus relevant to your membership level; 5% for Plus members and 1% for classic.
    • Cashback rates are subject to change both up and down.
    • Cashback will only become payable if customers do not fail to make the first 6 months of consecutive loan repayments to UK Credit on time and in line with fixed term agreement. If a customer fails to make any repayments on time within the first 6 months of the agreement between the customer and UK Credit, the customer will not be eligible to receive cashback.
    • From time to time information displayed here may be out of date. Please see Topcashback's full Terms and Conditions page for further information.
    • Recurrences on the amount of purchases that can be made while earning cashback may be limited.
    • This merchant calculates cashback excluding VAT, delivery and any other charges.
    • The cashback amount will track in your TopCashback account as £0 and the correct amount may take up to 30 days to show in your TopCashback account once the loan has been funded, as the cashback amount is based on the confirmed funded loan amount.
    • Transactions for this merchant should appear as pending within 24 hours. They will remain at this status until the retailer confirms that we're eligible for cashback. Once this happens your purchase will reach the confirmed stage of your account. When the merchant then pays us the cashback we can make this payable in your account.
    • In order to verify your cashback with Topcashback, UK Credit Limited will provide any relevant information required as to the conduct of a customer’s account to determine whether a customer qualifies for cashback.
  • What to do when
    • Some merchants may not be forthcoming with untracked cashback. We endeavour to chase untracked cashback but reserve the right to halt enquiries at any time. Please do not make purchase decisions based upon expected cashback as it is not guaranteed.
    • The vast majority of transactions from merchants track successfully, occasionally a transaction may not get reported. If you believe this to be the case, please submit a "Missing Cashback" query within 100 days of the transaction, we will be unable to chase up claims older than this.


About UK Credit

The re-emergence of guarantor loans as a popular borrowing option has seen UK Credit grow steadily since 2010, when we first opened our doors for business. We are now one of the leading direct guarantor lenders in the market today. But although we have expanded considerably in the last 6 years, we have not changed the core values which have been the key to our success. UK Credit is, and will continue to be a lender which retains its flexible, energetic, and smart approach to lending, without compromising on our ethos of being a responsible lender which treats its customers fairly. To date we have helped thousands of satisfied customers borrow the money that they need, be it to buy a new car, consolidate debt, pay for a wedding, or whatever other reason they might have for taking out a loan. We are a responsible lender and will always seek to make sure that a guarantor loan is the right loan product for your circumstances, and that repayments are affordable. You’ll find no hidden charges or unreasonable small-print. Our application process is quick and easy, and all of our forms, paperwork, and websites are clear and informative, in accordance with our ‘Treating Customers Fairly’ policy.


  • How does TopCashback make money?
  • How does TopCashback work?
  • Will it cost me anything?
  • When will I actually get my cashback?