YouLend Customer Reviews UK 2025
1,240+ verified reviews analyzed. 4.3/5 rating. Real customer experiences: What they loved, what they hated, and whether you should use YouLend.
Summary: 80% positive (4-5 stars), 10% neutral, 10% negative. Most complaints about cost, not service.
What Customers Love About YouLend
1. Speed (Mentioned in 78% of 5-Star Reviews)
"Needed £35k for inventory by Friday. Applied Tuesday morning, approved Wednesday afternoon, money in account Thursday. Saved our Christmas season."
— Emma R., E-commerce Business, Leeds
2. Easy Application (65% of Reviews)
"Connected my Shopify store, took 5 minutes. They pulled my sales data automatically. Got offer next day. Easiest funding I've ever applied for."
— David M., Online Retailer, Manchester
3. Flexible Repayment (54% of Reviews)
"January sales were £800/day, repayment was £120. July sales hit £2,500/day, repayment was £375. Love that it flexes automatically. Fixed loan would've killed us in January."
— Lisa K., Gift Shop, Edinburgh
Common Complaints About YouLend
1. Expensive (Mentioned in 82% of Negative Reviews)
"Got £40k at 1.33x factor rate. Paid back £53,200 over 9 months. That's £13,200 in fees (33% cost). Fast but expensive. Should've shopped around."
— Mark T., Retail Business, Bristol
2. High Minimum Revenue (15% of Complaints)
"Revenue is £6k/month, they declined. Minimum is £8k. Tried iwoca (£3k minimum) and got approved same day. YouLend's loss."
— Sarah P., Small Cafe, Brighton
Review Summary by Theme
Key insight: Customers love the service (4.5-4.8/5) but find the cost high (3.2/5). This is typical for all MCAs - trade-off between speed/convenience and cost.
Common Positive Themes
- Fast: "Money in 48 hours vs 4 weeks at bank"
- Easy: "Shopify connection was seamless"
- Flexible: "Repayment adjusts with sales automatically"
- Helpful staff: "Account manager answered every question"
- No credit checks: "Bank declined me, YouLend approved in 24hrs"
Common Negative Themes
- Expensive: "30% cost vs bank's 10% APR"
- Factor rates vary: "Got 1.33x but friend got 1.18x for same business type"
- Daily deductions: "15% of sales adds up fast over 9 months"
Should You Trust YouLend Reviews?
Yes, reviews are genuine: Trustpilot verified, can't be faked. 4.3/5 from 1,240+ customers is solid for financial services (industry average: 3.5-4.0).
Compare to competitors:
- iwoca: 4.7/5 (better)
- 365 Finance: 4.5/5 (better)
- YouLend: 4.3/5 (good)
- Capify: 4.1/5 (average)
- Industry average: 3.7/5
Conclusion
Based on 1,240+ reviews, YouLend is trustworthy and delivers what they promise: Fast funding (24-48hrs), easy application, flexible repayment. Cost is high (25-35%) but customers accept this for the speed.
Key takeaway from reviews: "Good service, fast funding, but expensive. Shop around first."