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WIN OUR TOP PRIZE!

Join Creditspring for a chance to have your Creditspring loan waived in our monthly prize draw. T&Cs apply.

Never worry about high-interest loans again.

£400
£2400

Representative example

£400 88.8%
Borrow £200 twice a year Rep. APR

1st monthly repayment £33.35
5 remaining monthly repayments £33.33

12 monthly membership payments £7
Total cost of credit £84

Interest rate p.a (fixed) 0%
Total amount repayable £484

14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks.

Representative example

£600 83.1%
Borrow £300 twice a year Rep. APR

6 monthly repayments £50.00

12 monthly membership payments £10
Total cost of credit £120

Interest rate p.a (fixed) 0%
Total amount repayable £720

14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks.

Representative example

£1,000 66.2%
Borrow £500 twice a year Rep. APR

1st monthly repayment £83.35
5 remaining monthly repayments £83.33

12 monthly membership payments £14
Total cost of credit £168

Interest rate p.a (fixed) 0%
Total amount repayable £1,168

14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks.

Representative example

£2,400 43.7%
Borrow £1,200 twice a year Rep. APR

6 monthly repayments £200.00

12 monthly membership payments £24
Total cost of credit £288

Interest rate p.a (fixed) 0%
Total amount repayable £2,688

14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks.

What's included:

Join more than 270,000+ people who use Creditspring to improve their credit and access on-demand loans.

  • Clear pricing

  • Never any hidden fees

  • No risk of debt spiral

  • Easy renewal


FEATURED IN

FEATURED IN

Join Creditspring in
5 easy steps

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.

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

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.

People often come to us when they’re looking for bad credit loans, but our loans are for everyone, and we don't just look at the usual range of eligibility factors and your credit score. If you have bad credit, we’ll consider your overall financial situation and your ability to repay what you borrow.