Your path to credit starts here

• If you complete a payment streak and we invite you to apply for a loan and your application is unsuccessful, you will receive a full refund of any membership fees you have paid as part of that payment streak. For example, if you have paid 6 consecutive payments of £7, we will refund you £42.
• If we invite you to apply for a loan after a 3, 4 or 5 month payment streak and your application is unsuccessful, you will receive a full refund of the payments you have made – i.e. £21, £28 or £35
• If you're not invited to apply after you complete the streak (whether this is after 3, 4 or 5 payments), we will continue to check your eligibility for two months (eligibility screening period) from the date of your last payment. No additional payments will be due from you during the screening period.
• If at the end of the eligibility screening period you are still not eligible to apply for our loan, you will receive a full refund of your latest payment streak.
• If you cancel your membership during the eligibility screening period you will not receive a refund. Any incomplete streaks will not be refunded.

Your main goal is to build a monthly payment streak until we invite you to apply for a loan. Your payment streak will never be more than 6 months. A payment streak means you have made consecutive payments in a row with no missed payments in between. After hitting your streak, you'll unlock your eligibility checks for our 2 x £200 loans per year and if you pass we'll invite you to apply for a loan.

Creditspring Go is your first step towards improving your eligibility for a Creditspring loan. By making consecutive payments on time, your access to a Creditspring loan could be easier.

We will not report your payments to the credit agencies. This means your payments or missed payment won't affect your credit score. Our goal through Creditspring Go is to support you to gain access to our 2 x £200 loans per year.

This can vary, but after completing your payment streak (with no missed payments), we'll check if you can apply for our 2 x £200 loans pear year. We'll start checking your eligibility from payment 3 so you can qualify sooner. If successful, you'll then be able to apply for a loan.

If you're not able to apply for our loan just yet, we'll continue to check for another two months (known as our eligibility screening period).

Pay a fixed membership fee, payable in twelve monthly payments of £7 , and start building your credit score with every on-time payment. Remember, other factors can affect your score. The 2 x £200 no-interest loans per year is included in our Step membership.

Representative example: Total amount of credit £400 repayable over 13 months (borrow £200 twice a year). Membership fee (total cost of credit) £84, payable in 12 monthly payments of £7. Interest rate 0% p.a (fixed). Representative 88.8% APR. The first repayment for each advance is £33.35, due approximately 6 weeks after drawing, followed by 5 monthly repayments of £33.33. Total amount payable £484.

We understand that circumstances may change, so if you're thinking of cancelling your Go membership, log into your account page and follow the steps. If you cancel before your membership ends, as per our terms and conditions, you will not receive a refund. In future if you would like to re-apply to Creditspring Go, you can do so three months after you cancel your membership.

Cancelling your Creditspring Go membership will not cancel your Creditspring Free membership. To find out more, please visit this article in our Help Centre.