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Creditspring Creditspring

A better alternative to payday loans with low APR rates

Borrow up to £1000 fast without the crazy interest rates.

Check your eligibility

A better alternative to payday loans with low APR rates

Borrow up to £1000 fast without the crazy interest rates.

Check your eligibility

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
£10/month
6 x £83.33
43.1%

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

Representative 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 and 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 43.1% APR. Total amount payable £1,120.

Core membership Repay each loan Rep. APR Info icon
£8/month
6 x £41.66
77.3%

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

Representative example: Total amount of credit of £500 over 12 months. The first payment for each advance is £41.70 followed by 5 monthly repayments of £41.66 and 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed). Representative 77.3% APR. Total amount payable £596.

Coin in a parachute

Money is there when you need it

Balloons

No interest, no hidden fees

Coins piles

Easy and affordable monthly repayments

Stones in balance

Builds your credit score even when you don't borrow

Making unexpected expenses not so unexpected

Say bye to payday loans! No more worrying about high cost short term loans for those unexpected expenses. Our loans give you the freedom to plan ahead without spiralling into financial debt. With a Creditspring no-interest loan your unexpected expenses are not so unexpected anymore.

Know exactly what you owe at all times. No time wasted on calculating interest rates as we let you know all costs up front.

Check your eligibility

Making unexpected expenses not so unexpected

Check your eligibility

Say bye to payday loans! No more worrying about high cost short term loans for those unexpected expenses. Our loans give you the freedom to plan ahead without spiralling into financial debt. With a Creditspring no-interest loan your unexpected expenses are not so unexpected anymore.

Know exactly what you owe at all times. No time wasted on calculating interest rates as we let you know all costs up front.

Why are payday loans bad?

Why are payday loans bad?

Creditspring offers affordable and easy to manage loans that are a good alternative to payday loans. People may be tempted to take out a payday loan as they are easily accessible and quick loans offered to people with bad credit.

However, these loans are very risky with very high interest rates and there are better alternatives out there such as direct lenders like Creditspring.

Our no-interest loans (Rep APR 43.1%) are perfect for borrowers with bad credit facing sudden expenditures. You only pay a small monthly membership fee on top of your repayments- helping you take back control of your finances.

We’ll automatically check your eligibility for our quick loans. All without affecting your credit score.

What credit score do you need to get no-interest loans?

Payday loans may seem tempting if you’re facing a shortfall before payday. But these quick loans come at a high price: the interest they charge.

Whilst Creditspring offers no-interest loans you may face very high interest rates if you take out a payday loan. Worse still, if you don’t pay back your loan on time you may face penalties that cost you even more.

A direct lender like Creditspring won’t take advantage of your bad credit. We run soft checks on your credit history so checking whether you’re eligible for a loan won’t affect your credit score.

Just because you don’t have any emergency savings to fall back on doesn’t mean you can’t face unexpected expenses without resorting to a payday loan.

Check your eligibility in 60 seconds without affecting your credit score.

Check your eligibility