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Need a loan but have bad credit?

We can fix that

Join the Stability Hub

Need a loan but have bad credit?

We can fix that

Join the Stability Hub

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No-interest loans

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Credit building

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Monthly health checks

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Personalised support

A Creditspring Stability Hub membership provides you with a path towards borrowing

Having bad credit can be a real problem. Often due to mistakes at the ratings agencies or honest mistakes we made in the past, we are punished with having bad credit for years. This means that the only way to get a loan is by searching for bad credit loans or wondering how you can borrow money with bad credit.

This can prove to be difficult. The best bad credit loans are usually very expensive and risky, while secured loans for bad credit are often a bad idea.

Instead of getting a bad credit loan, which could hurt your access to credit, it is important to build back your credit history. With a Stability Hub membership, we'll help you do that and when your credit has improved, we'll automatically offer you access to our loans.

Why not join the Stability Hub today? It's free and your first step towards improved financial stability

Join the Stability Hub

Will a Stability Hub membership help me improve my credit?

Our Stability Hub is open, for free, to anyone who wants to join. We have accepted people with really good credit and also with really bad credit. We know it's not easy to borrow money with bad credit and many of our members ask how to get a small loan with bad credit.

We don't control credit scores, but we do control who we lend to. Every month we invite Stability Hub members to borrow after they have shown signs of improvement.

As a member, you have access to tools that will help you know where your financial health stands as well as tips on how to do better. You're in control of whether you gain access to a small loan. Your financial behaviour will determine whether you recieve an invite to a small loan when your financial stability has improved. Even with bad credit we believe there's always a way to improve and grow. Check out the Stability Hub today and start your journey towards getting rid of bad credit and gaining access to a small loan!

Join today and improve your chances of getting credit in the future

Join today

Our products

As a stability hub member, we'll automatically let you know when you are eligible

Plus

£1000

per year
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Borrow £500 twice a year, no-interest.

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Membership fee £8 x 12 months (£96 a year), no additional fees. Rep APR 38.6%

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Repay each loan with 6 monthly payments

(£83.35 the first and £83.33 the remaining five installments)

Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 38.6% APR. Total amount payable £1,096.

Core

£500

per year
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Borrow £250 twice a year, no-interest.

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Membership fee £6 x 12 months (£72 a year), no additional fees. Rep APR 87.4%

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Repay each loan with 4 monthly payments of £62.50

Representative example: Total amount of credit of £500 over 12 months. 8 monthly repayments of £62.50 and 12 monthly membership payments of £6. Rate of interest 0% p.a. (fixed), Representative 87.4% APR. Total amount payable £572.

Plus

Core

£1000

per year
Thick check

Borrow £500 twice a year, no-interest.

Thick check

Membership fee £8 x 12 months (£96 a year), no additional fees. Rep APR 38.6%

Thick check

Repay each loan with 6 monthly payments

(£83.35 the first and £83.33 the remaining five installments)
Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 38.6% APR. Total amount payable £1,096.

£500

per year
Thick check

Borrow £250 twice a year, no-interest.

Thick check

Membership fee £6 x 12 months (£72 a year), no additional fees. Rep APR 87.4%

Thick check

Repay each loan with 4 monthly payments of £62.50

Representative example: Total amount of credit of £500 over 12 months. 8 monthly repayments of £62.50 and 12 monthly membership payments of £6. Rate of interest 0% p.a. (fixed), Representative 87.4% APR. Total amount payable £572.
Our members love Creditspring 💙
Excellent
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"This is my second year of using Credit Spring, it's easy to use, quickly paid off and peace of mind, it's there if you need it."

Lisa

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"Would recommend to anyone"

Gary

Excellent thanks Credit Spring
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"In the most difficult situations he helped me... Thanks Credit Spring."

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