Next Generation Credit.

Flexible credit to be used in a way that suits you. Use it like a credit card, a loan, or an overdraft.

Get the Cred App today!

Simply scan the QR code

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases or withdrawals of 18.9% p.a. variable, you will be charged 18.9% APR representative variable.

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases or withdrawals of 18.9% p.a. variable, you will be charged 18.9% APR representative variable.

Flexible credit you control to use in a way you want.

Flexible credit built for you

Flexible credit of up to £10,000 combined with innovative features delivers a next generation credit experience for modern life.

Use it like a personal loan

Instantly draw down larger amounts for one off purchases or to consolidate debts and build your own repayment plan over a period that suits you.²

Coming soon

Use it like an overdraft

Want a cheaper alternative to your bank overdraft or don't currently have one? Connect Cred to your current account for automated transfers to stop unwanted bank charges³

Coming soon

Use it like a credit card

Use your digital credit card to make purchases seamlessly with your Cred account. Easily transfer and consolidate balances from other cards to streamline your payments and enjoy potential savings¹

Representative example:

Assuming a credit limit

£1,200

Purchase/Withdrawals rate

18.9%

p.a. variable

You will be charged

18.9% APR

representative variable

^[1] ^[2] Consolidating debts might involve payment of a higher rate of interest or charges - or both. Consolidating debts might also increase the overall period required for repayment.

^[3] Cred rates are lower than most high street bank overdraft rates. However, some overdrafts may be cheaper and you should always check Cred's rates against the other rates that are available to you.

Download the app to check your eligibility

Simply scan the QR code