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A brand new way to borrow

Borrow £250 twice a year at a 0% fixed interest rate, for just £6 per month

Representative example: The rate of interest on the loans is 0% fixed. The total cost of credit is £72, which is your annual membership fee. This gives you access to £500 in the form of two separate £250 advances over a minimum agreement term of twelve months. Each advance is repayable over 4 months. Representative 81.5% APR fixed. The Total Amount Payable is £572 with monthly repayments of £68.50 when you have a loan outstanding and £6 when you don’t. You will never pay more in fees and interest charges than your membership fee (£72) per year.

Credit reimagined.

Annual membership is £72.
Pay just £6 a month.

MEMBERSHIP

£6/month

Get access to two no-interest advances per year. Available on demand.

2 ADVANCES PER YEAR

£250

Advances are paid back in 4 monthly instalments of £62.50, along with the £6 monthly membership fee.

EQUAL REPAYMENTS

4 months

Annual membership is £72.
Pay just £6 a month.

MEMBERSHIP

£6/month

Get access to two no-interest loans per year. Available on demand.

2 ADVANCES PER YEAR

£250

Advances are paid back in 4 monthly instalments of £62.50, along with the £6 monthly membership fee.

EQUAL REPAYMENTS

4 months

We charge no interest on the money you borrow.

Your second advance will be made available as soon as you repay your first.

A new way to deal with unexpected expenses

With Creditspring, you can borrow £250 when you need to up to twice in a year, while only ever paying a fixed membership fee.

It's a backup plan that gives you on-demand access to advances to help you better manage unexpected expenses.

The best bit? You pay 0% interest on money borrowed.

Join Creditspring for the cost of two coffees per month

Creditspring membership is just £6/month. There are no other costs.

The total cost for membership over a year is £72.

Planning for unexpected expenses has never been so easy.

We don't charge interest

We believe that by removing interest, we have made borrowing simpler.

You always know how much you will owe at any time, and the amount will never grow.

You only ever pay your membership fee, and that's it.

4 equal monthly instalments

Each £250 advance is repaid over 4 equal, monthly instalments of £62.50.

This has been designed specifically to make it not too painful to repay.

Got a bit of extra cash and want to repay earlier? Great! You can do so right from your account.

Eligibility: Creditspring membership is open to UK residents that are over the age of 18, are in full-time employment, earn £20,000 or more per year and have not had any CCJs, IVAs or bankruptcies in the last six years. Access is subject to status and terms and conditions apply.

Creditspring is for people who plan ahead and are forward thinkers. You have to be a member for 14 days before you can draw your first advance. You need to repay your first advance to get access to the second one.

6 things you’ll love about Creditspring

Your debt will never grow

You will never owe more than your membership fee and what you borrow. Bye bye debt spirals.

It's simple

Just pay £6/month for your membership. That's it.

You're in control.

It helps you to avoid having to ask friends or family for help with money.

It’s a backup plan

It’s a backup plan for your small, unexpected emergencies. Peace of mind at last.

It’s only £6 per month

Think of all the other things you spend £6 on in a given month.

It’s on demand

When you need to borrow, just press a button. Your credit is waiting for you, ready when you need it.

Be forward thinking

Don’t wait until you need to borrow. Avoid more expensive credit with our membership and get yourself a backup plan.

Join today, and thank yourself later.