Whether you're eager  to go on holiday or you need to borrow money to pay for an unexpected expense, there are lots of reasons you might want to take out a personal loan.

Before applying for a loan, it's a good idea to compare a few different options to find one that's affordable for you.

This is where we can help. Our simple and reliable no-interest personal loans makes taking out a loan easier.

What are the benefits of a personal loan?

With a Creditspring membership, you'll have access to two no-interest personal loans each year.

You won't have to worry about interest rates spiraling out of control or the debt becoming unmanageable.

Thanks to reasonable and clear repayments, you'll know exactly how much you owe and when it needs to be repaid.

Not only do we help you manage your money in the present, we give you the tools you need to improve your finances for the future too. By making each monthly payment on time and in full, you can gradually improve your credit score.

This means that if you need a mortgage, car loan, or large personal loan in future, lenders will be more likely to give you the money you need.

Our products are designed to help you stay in control of your finances. We're here for you when you need funds and we'll offer you peace of mind when you don't.

In a nutshell, we offer you:

• Two no-interest personal loans each year

• Manageable and transparent payments

• The ability to build your credit score over time

• The opportunity to improve your chances of getting a mortgage, secured loan, or unsecured loan in future

What is the easiest loan to get approved for?

If you want to borrow money, getting your loan application approved can be easy if you have good credit and a reliable income.

Getting a loan with a low credit rating or limited credit history can be more challenging, but it certainly doesn't mean it's impossible. 

It may be possible to get a loan agreement but you're unlikely to have access to the best interest rates. You may pay a higher annual percentage rate, making your loan less affordable. 

This is because when lenders approve loan applications for people with a bad credit score, they often charge higher interest rates to protect themselves financially in case the borrower fails to make their repayments.

We're passionate about making loans easier to access. Our application process is straightforward and our loans have no interest. It is clearly stated how much you need to pay and when, so you can manage your finances without any stress.

Simply check your eligibility and we will let you know which Creditspring membership suits you best. 

Can you get a personal loan without paying interest?

It's hard to find loans that don't charge you interest. After all, interest is how most lenders make money. The longer it takes for borrowers to repay their loans, the more the lender charges.

We're different. We provide people like you with personal loans without charging any interest. Instead, we charge a membership fee.

So if you're looking for a personal loan without paying interest, check your eligibility today.

Can I get a £300 personal loan?

Sometimes, a small amount can go a long way. If you only need to borrow £300, our Step membership may be for you.

For just £5 a month (REP APR 87.5%), you'll get one £100 loan and one £200 loan each year.

The best part is we charge no-interest and you'll pay off each loan in full over 6 months.

When paying off your first Step loan, you'll make a £16.70 repayment in the first month followed by 5 monthly repayments of just £16.66.

When paying off your second Step loan, you’ll make a £33.35 repayment followed by 5 monthly payments of £33.33, while continuing to pay the £5 a month membership fee.

How do I get a £500 personal loan?

Thanks to our Core membership, you can get two £250 loans each year without paying any interest.

Instead of paying interest, you'll pay a monthly membership fee of  £8 (REP APR 77.3%). 

This means you can sleep soundly at night knowing your debt won't become more expensive over time. 

Our repayment process is transparent and straightforward.

You'll pay back each £250 loan over 6 months in manageable installments.

The first payment for each loan will be just £41.70. The 5 payments after that will be t £41.66, followed by 12 monthly membership payments of £8 each.