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Creditspring Creditspring

Build credit without a credit card

Build credit without a credit card

Get 2 on-demand loans per year.
Repay only what you borrow plus the membership fee.

2 x £500
2 x £250
Plus membership Repay each loan Rep. APR Info icon
£8/month
6 x £83.33
38.6%

As a new member you’ll have access to the first loan in 14 days. We’ll check your eligibility for both Plus and Core Membership

Check eligibility

Rep. 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 membership Repay each loan Rep. APR Info icon
£6/month
4 x £62.50
87.4%

As a new member you’ll have access to the first loan in 14 days. We’ll check your eligibility for both Plus and Core Membership

Check eligibility

Rep. 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.

Coin in a parachute

Money is there when you need it

Balloons

No-interest, no hidden fees

Coins pile

Easy and affordable monthly repayments

Stones in balance

Builds your credit score even when you don't borrow

Creditspring helps you build credit, even when you don't borrow

Everyone wants to build their credit, but it's not easy to know how to build your credit score since the credit rating agencies don't give up their secrets. Many people believe the easiest way to build credit is to get a credit card and start building a credit history. But this can also be risky since credit cards want to lend you more and more money with interest. The newspapers are full of stories about people getting into trouble with credit cards.

This is one of the reasons why we built Creditspring- so people can start building their credit score without a credit card. For a simple fixed monthly fee, we give our members access to two loans, without interest. This means your debts can never grow and your costs are capped. We've also strucutred our fee so that even if you don't borrow, paying your fees will help you build your credit score.

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
stars-rating

"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

Impressive Customer Service
stars-rating

"Would recommend to anyone"

Gary

Excellent thanks Credit Spring
stars-rating

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

Cristina

How to build credit history without a credit card?

When we started building Creditspring, many people asked us how to build up credit without a credit card.

This was because they didn't want to risk getting into trouble just to have a good credit score to help them switch phone bills, switch energy bills or just to be able to borrow at a good rate when they needed it. It doesn't make sense that you should have to borrow at a high interest credit card just to improve your score.

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

Check eligibility