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Creditspring reviews

Never worry about high-interest loans again.

Flexible, no-interest loans for when life happens.
Check eligibility
Representative example: Total amount of credit £600 repayable. 12 monthly membership fees of £10. Rate of interest 0% p.a. (fixed). Total cost of credit: £120. Total amount payable: £720. Monthly loan payment: £50. Representative 83.1% APR

Memberships
made for plans
big and small.

Start building your credit today and access
your first loan after 14 days.
Check eligibility
Extra
Borrow £2,400 a year and repay only
£2,688 in 12 monthly fees.
Plus
Borrow £1,000 a year and repay only
£1,168 in 12 monthly fees.
Core
Borrow £600 a year and repay only
£720 in 12 monthly fees.
Step
Borrow £400 a year and repay only
£484 in 12 monthly fees.
Extra
Plus
Core
Step
Coins Membership fee
£24/month
Fingers crossed 2 loans per year
£1,200 / £1,200
Wallet Repay each loan in
6 months
Rep APR Representative APR
43.7%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £2,400 repayable over 13 months. 12 monthly membership payments of £24. Rate of interest 0% p.a. (fixed). Representative 43.7% APR. The first repayment for each advance is £200.00, due 45 days after drawing, followed by 5 monthly repayments of £200.00. Total amount payable £2,688.
Coins Membership fee
£14/month
Fingers crossed 2 loans per year
£500 / £500
Wallet Repay each loan in
6 months
Rep APR Representative APR
66.2%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £1,000 repayable over 13 months. 12 monthly membership payments of £14. Rate of interest 0% p.a. (fixed). Representative 66.2% APR. The first repayment for each advance is £83.35, due 45 days after drawing, followed by 5 monthly repayments of £83.33. Total amount payable £1,168.
Coins Membership fee
£10/month
Fingers crossed 2 loans per year
£300 / £300
Wallet Repay each loan in
6 months
Rep APR Representative APR
83.1%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £600 repayable over 13 months. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 83.1% APR. The first repayment for each advance is £50.00, due 45 days after drawing, followed by 5 monthly repayments of £50.00. Total amount payable £720.
Coins Membership fee
£7/month
Fingers crossed 2 loans per year
£200 / £200
Wallet Repay each loan in
6 months
Rep APR Representative APR
88.8%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £400 repayable over 13 months. 12 monthly membership payments of £7. Rate of interest 0% p.a. (fixed). Representative 88.8% APR. The first repayment for each advance is £33.35, due 45 days after drawing, followed by 5 monthly repayments of £33.33. Total amount payable £484.
Check eligibility

Join Creditspring in
5 easy steps

Step 01
Check your eligibility
and get your offer
Two no-interest loans per year. No hidden fees ever. What you see is what you get.
Step 02
Take 14 days to
cool off
You have 14 days to decide if you want to be a member. After that, you will have to pay each month.
Step 03
Unlock your
first loan
Get access to your first advance and borrow whenever you need it. Repay in 6 monthly instalments.
Step 04
Unlock your
second loan
Unlock and borrow your second loan, once your first loan is repaid. Repay in 6 monthly instalments.
Step 05
Renew for more
peace of mind
Renew your membership to instantly unlock your next loan with no 14-day cooling off period.

More than
just loans

Creditspring is helping people in the UK
with tools and resources to achieve
financial stability.
Check eligibility
See your finances
like never before.
Get insights into your finances and
comprehensive tips tailored to your situation.
Track your
financial stability
Get an exclusive measurement of how
capable you are to weather any monetary storm.
New possibilities
with our partner offers
Get access to member-exclusive
money-saving content.

3 reasons to
join Creditspring

Join more than 200,000 people who use Creditspring to improve their credit and
access on-demand loans.

No Debt Spiral: We promote healthier financial habits ensuring you never get caught out.

Clear Pricing: Say goodbye to hidden fees and confusing terms. Always know what you're paying for.

Credit Building: Creditspring helps you build your credit score, empowering you to access better financial products in the future.

Check eligibility

Late and missed payments, along with other external factors, can have a negative effect on your credit score.

“It's been easy from day one. Application easy, requesting loan easy.”

Gareth E., Creditspring member

“I renewed my membership for another year...Highly recommend.”

Jonathan S., Creditspring member

“They stuck to what they said. I would highly recommend to anybody.”

Matthew J., Creditspring member

“They have given me the lifeline to keep my finances in check.”

Louise A., Creditspring member

“Great product. The product as a credit builder is fantastic.”

James F., Creditspring member

“Great customer service...Credit score improved massively.”

Becky E., Creditspring member

FAQs

All the answers you want

We know financial products can be difficult to get to grips with, so we've included some of the key questions you may have. However, if the question you need an answer to isn't here, head over to our Help Centre for more.

We offer various memberships that will assist you in planning for your future, building your financial stability and boost your finances for unexpected expenses. There is a limit of one membership per person, and there are 12 monthly instalments.

We do things a bit differently. Instead of adding interest, we'd rather give you a no-interest loan and charge a membership fee that is spread over the course of your agreement. We believe this is a simpler and honest way of doing business. It also means that as a member, you know you'll never pay more than your monthly membership fee and what you borrowed. Read on here

There are many factors involved in determining if you are eligible for a Creditspring membership. The following are some of the requirements to apply for a Creditspring membership:


  • You must be over the age of 18
  • Have a UK bank account older than 3 months
  • Earn a minimum of £14,000 per year
  • Have no recent CCJ, IVAs or bankruptcies


Creditspring membership is subject to status. Terms and conditions apply.

There's a £10 fixed monthly membership fee. With this membership, you will have access to two no-interest, pre-approved £300 advances per year. The first advance must be paid in 6 monthly instalments before the remaining is accessible.

Representative example: Total amount of credit £600 repayable over 13 months. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 83.1% APR. The first repayment for each advance is £50.00, due 45 days after drawing, followed by 5 monthly repayments of £50.00. Total amount payable £720.

If you apply for a Creditspring membership and are not eligible, it will not affect your credit score. It will leave a “soft footprint” on your credit report that only you will be able to see.


If you are eligible for a Creditspring membership and you accept a membership, our credit check will then be posted as a “hard footprint” on your credit report, accessible by other lenders. Once you are a member, we will continue to report your monthly membership payments and any repayments of your advances to the credit agencies.