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Creditspring Creditspring

Credit membership, more than a loan

Check eligibility

Creditspring Membership

A Creditspring membership is more than a loan; we aim to give you some stretch to your budget whenever you need it, helping you to gain or maintain financial stability. Plus, you'll have peace of mind knowing that your loans are already approved and available on demand.

We'll automatically check your eligibility for both products for you.

Plus

£

500

/ twice a year
Core

£

250

/ twice a year
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Borrow £500 twice a year, available on demand
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Membership fee is £8 per month (£96 a year)
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Repay each advance in 6 monthly payments
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0% interest rate, only pay back what you borrow plus your monthly membership fee
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And get your Financial Stability score and hints and tips to improve it
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14 days to change your mind before you can borrow. Then you'll be able to borrow whenever you need it
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. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 38.6% APR. Total amount payable £1,096.
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Borrow £250 twice a year, available on demand
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Membership fee is £6 per month (£72 a year)
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Repay each advance in 4 monthly payments
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0% interest rate, you pay back only what you’ve borrowed, plus your monthly membership fee
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And get your Financial Stability score and hints and tips to improve it
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14 days to change your mind before you can borrow. Then you'll be able to borrow whenever you need it
Representative 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.

Eligibility subject to status and affordability checks, for over 18s only. T&Cs apply.

Check eligibility

Coin zero percent

No complicated interest, just a small monthly membership fee

We don't charge interest or late fees, just a fixed, monthly membership fee. You'll always know exactly how much your loans will cost.

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Plan ahead and protect your finances from the unexpected

Creditspring gives you access to a financial backup plan helping to cushion your finances from unexpected expenses.

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Peace of mind, flexibility to borrow when you need, knowing your loan is approved

Creditspring membership gives you peace of mind, knowing you can borrow when you want, without worrying whether you'll get accepted.

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Improve your financial stability and wellbeing, while improving your credit rating

Creditspring membership can help you improve your credit. Making your loan and membership payments on time you will have a positive influence on your credit rating and score.

Introducing the Financial Stability Score

Designed to give you an indication of your ability to weather unexpected financial storms, our Financial Stability Score is exclusive to Creditspring. It's not the same as a Credit Score but it can help you to understand your potential to get credit.

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A personalised Financial Stability Score updated monthly
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A snapshot of your financial stability and health
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Hints and tips to help you improve your Score
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Information about products and services to help improve your financial stability