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Late and missed payments, along with other external factors, can have a negative effect on your credit score.
2 loans per year
Repay each loan in
Membership fee (total cost of credit)
12 membership payments
Representative APR
Waiting period
2 loans per year
Repay each loan in
Membership fee (total cost of credit)
12 membership payments
Representative APR
Waiting period
2 loans per year
Repay each loan in
Membership fee (total cost of credit)
12 membership payments
Representative APR
Waiting period
2 loans per year
Repay each loan in
Membership fee (total cost of credit)
12 membership payments
Representative APR
Waiting period
Late and missed payments, along with other external factors, can have a negative effect on your credit score.
Borrow up to £2,400 per year, depending on your membership
Receive your credit as two separate loans
Repay each loan over 6 fixed monthly instalments
Pay no interest on your loans
One fixed membership cost, with no hidden fees
With Creditspring, you repay each of your advances in six monthly instalments. Once the first advance is repaid, you can access the second, as long as you’ve stayed in line with your credit agreement. This structure is designed to give you clarity and control, particularly if you’ve struggled with credit in the past.
If you’re approved and choose to become a member:
There is a 14-day cooling-off period
After this period, you can request your first advance
Payments are made seven days a week (excluding bank holidays)
Creditspring is not designed for instant same-day emergency cash. It’s built for more structured borrowing, where you know the costs and repayments upfront.
Yes. We consider applications from people with a range of credit histories.
We look at more than just your credit score when assessing eligibility. We assess affordability and creditworthiness using a number of factors, including open banking, to understand your overall financial situation (Representative 83.1% APR).
Approval is subject to status and affordability checks.
Yes, it can! If you make your repayments on time you can build your credit score. Remember, other factors can affect your score.
We report repayment behaviour to credit reference agencies. Making payments on time demonstrates positive repayment behaviour, which may help you build your credit history over time.
Access to two £200 loans per year
Repay each advance over 6 months
Membership fee (total cost of credit) is £84, paid in 12 monthly payments of £7
Representative APR 88.8%
Access to two £300 loans per year
Repay each advance over 6 months
Membership fee (total cost of credit) is £120, paid in 12 monthly payments of £10
Representative APR 83.1%
Access to two £500 loans per year
Repay each loan over 6 months
Membership fee (total cost of credit) is £168, paid in 12 monthly payments of £14
Representative APR 66.2%
Access to two £1,200 loans per year
Repay each loan over 6 months
Membership fee (total cost of credit) is £312, paid in 12 monthly payments of £26
Representative APR 48.1%
To apply for a Creditspring membership, you must:
Be a UK resident aged 18 or over
Have a stable income
Pass our affordability and credit checks
Membership is subject to checks. Terms and conditions apply.
You can check your eligibility in minutes.
Traditional high-cost short-term loans
Interest charged on loan
Often short repayment window
Lump sum borrowing
Total cost may vary
Creditspring membership
No interest on loans
Structured repayments
Two loans per year
Know the cost before you join
Always make sure you understand the full cost of borrowing before entering into any agreement.
Entering into any loan agreement is a serious commitment.
Always make sure you:
Read and understand the loan agreement
Assess your ability to repay
Compare different lenders
Avoid unregulated lenders
Borrowing responsibly is essential to protecting your financial wellbeing.
Creditspring is authorised and regulated by the Financial Conduct Authority (FCA). We are committed to responsible and ethical lending in line with FCA standards.
Credit provided by Inclusive Finance Ltd t/a Creditspring. Loans are subject to status, for over 18s only and T&Cs apply.
Bad credit usually refers to a low credit score, often caused by missed or late payments, defaults, or other adverse credit history.
Making repayments on time may help demonstrate positive repayment behaviour. However, improvements are not guaranteed.
No. We do not require guarantors.
Yes. You can repay early via card or Open Banking. More information is available in your account.
You can sign up as a free member to access tools, credit-boosting tips, exclusive partner offers and personalised eligibility updates.