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Start improving your credit score today

Flexible and Transparent Borrowing

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.

Start improving your credit score today

Flexible and Transparent Borrowing

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.

Join Creditspring and get 2 no-interest loans a year

A Creditspring membership helps you build your credit, even when you don't borrow. We report both membership fees and loan repayments to credit agencies, so as long you as you demonstrate positive payment behaviour you can expect your score to go up over time. We know how important it is to have a good credit score, so start improving your credit today with Creditspring!

Why not check your eligibility now?
We'll automatically check your eligibility for both products. Checking your eligibility will not have an impact on your credit score.

Check eligibility

Our members love Creditspring 💜
Excellent
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"This is my second year of using Creditspring, it's easy to use, quickly paid off and peace of mind, it's there if you need it."

Lisa

Impressive Customer Service
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"Would recommend to anyone"

Gary

Excellent thanks Creditspring
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"In the most difficult situations they helped me… Thanks Creditspring."

Cristina

Is Creditspring the easiest way to build credit?

80% of Creditspring members surveyed believe we have improved their credit score. All credit products can help you improve your credit, but the good thing about Creditspring is you should see your credit score improve, even if you don't borrow. We also offer you a free membership to our Stability Hub where you will better understand your credit score and receive tips on what you can do to improve it.

Check eligibility now, it only takes 60 seconds to see if your eligible and it doesn't hurt your credit score.

Check eligibility