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YouLend Reviews

Rated 3.7 based on 485 Reviews

90 High Holborn, London WC1V 6LJ

Financial Services London

Published on
August 4, 2025
Last updated
August 4, 2025

Reviews Summary

Overall sentiment toward YouLend, a business lender, is markedly negative based on customer reviews. Reviewers consistently note frustration with changing lending criteria, high fees, and aggressive or unhelpful customer service. While a few customers mention positive experiences over several years or praise specific staff, critical themes overwhelm, such as confusion over repayment, debt collection threats, and denied or revoked loans. Operational transparency and clear communication are mentioned as lacking.

The most common issues shared relate to unexpected changes in lending policies, poorly explained fees, and abrupt loan reversals even after approval and documentation. Many reviews highlight the difficulty in resolving problems, reporting ignored calls and emails, and inconsistent information between departments. The structure of automatic repayments from eBay sales and Stripe partnerships is frequently referenced, with concerns about insufficient clarity in loan terms, repayment options, and ongoing account management.

In summary, YouLend’s reputation among reviewers is largely negative, with frequent reports of distressing customer service and unpredictable loan processes. While a minor segment of long-standing customers report satisfaction with specific account managers, widespread negative feedback suggests trust and reliability concerns. For businesses seeking finance in the UK, caution is advised given the patterns of dissatisfaction, lack of support, and unexpected changes described in the reviews.
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What Customers Are Saying About YouLend?

always very responsive and reliable

Trustguide extracts key phrases from reviews about YouLend and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 10% of YouLend's customers had a positive experience.

Positive
10%
Neutral
0%
Negative
90%

YouLend Ratings

1

As of Based on 485 revies as of Aug 04, 2025

YouLend Score

10%

As of Based on 485 revies as of Aug 04, 2025

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Customer Reviews

As of Aug 04, 2025, 485 customers have reviewed this business and rated it 3.7 Star out of 5. Trustguide conducted an in-depth analysis of YouLend's publicly available reviews View source

Mark Guy rated YouLend 1 stars
2 weeks ago
I was projected to pay off the loan in 7 months. It's month 3 and according to their website my repayments are on track. However, they have been sending many emails asking me to pay and even threatened debt collection and legal. I really don't understand what they offer or want. They take a portion of eBay sales and don't offer a option to pay more on their website. And again, it says I'm on track. I wouldn't use them again, and I will be reporting them to the financial ombudsman
Jamie Kerrigan rated YouLend 1 stars
2 months ago
Used this company for around 5 years and have always been great however lately the standards are absolutely shocking, virtually no one want to speak with your company, Customer service just hang up the phone. There policy’s and lending criteria no longer make sense they change more than the British wether. There fees and charges sound great at the time but bleed your company dry stay clear of you lend
S Dee rated YouLend 1 stars
2 months ago
Absolutely Shocking Experience – Loan Reversed After Approval and Funding Queue! I don’t usually leave reviews, but this experience has been beyond frustrating and completely unacceptable. *Rahul Gondhia* the account manager contacted me after going through the full loan application process, I was approved, signed the contract, and even received an email confirmation stating my loan was in the funding queue. I was told to switch from my personal to my business bank account to receive the funds which I did promptly, following their exact instructions. Then out of nowhere, after weeks of waiting and planning based on their clear approval, I was told the loan had been rejected. How can a company justify such a reversal after acceptance, contract signing, and placement in the funding queue? This wasn’t a misunderstanding—I had written confirmation that I was in the final stage. To pull back at that point is both unprofessional and unethical. This whole process took over 4 weeks, during which I could have pursued other funding options. Instead, I was strung along, given false hope, and left in a worse position than when I started. It’s cost me time, business opportunities, and trust. Extremely disappointing. Be very cautious if you’re considering this lender what they approve today can be revoked tomorrow, without real explanation.

Frequently Asked Questions About YouLend

Are YouLend’s fees and interest rates clearly explained before taking a loan?

Several reviewers report that high fees and interest were not clearly explained prior to accepting a loan. It is important to thoroughly review all documentation and seek clarification, as terms may differ from initial marketing claims.

Does YouLend change its lending criteria for follow-up loans?

Many reviewers mention that YouLend has altered its lending and advancement criteria over time, sometimes requiring a higher percentage of the existing loan to be paid off before issuing new offers, and these changes are not always clearly communicated.

How are repayments handled for YouLend business loans?

Repayments are often deducted automatically from business sales processed through platforms like eBay or Stripe. Customers should monitor these deductions carefully and maintain communication with YouLend to ensure repayment records are accurate.

About YouLend

Financial Services
YouLend is a finance provider that offers business loans, typically by advancing capital that is repaid through a fixed percentage of ongoing sales, often in partnership with platforms like eBay or Stripe. The company operates within the financial services and lending industry, focusing on small and medium-sized enterprises in the UK.

YouLend's processes include online loan applications, integration with sales or e-commerce platforms for automated repayments, and ongoing account management. Customers interact with account managers, receive loan offers based on repayment history, and experience loan terms that are periodically updated or changed by the company. The service facilitates fast approval and deployment of business funding.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.