Flexible credityou control.
Borrow what you need, when you need it, repay your way.
Representative APR 24.9% variable. Subject to status. UK residents 21+. T&Cs apply.
Flexible credit you control.
Borrow what you need, when you need it, repay your way.
Representative APR 24.9% variable. Subject to status. UK residents 21+. T&Cs apply.
Borrow
A flexible line of credit that you control, borrow what you need, when you need it, flexibly manage repayments with no fees for changing plans or repaying early.
Spend
A digital card in Apple Pay or Google Pay. Repay each transaction or your statement balance in full, or spread the cost up to 48 months.
Ask
Cred AI knows your account, ask it anything to help manage your borrowing or your credit score.
Borrow
A flexible line of credit that you control, borrow what you need, when you need it, flexibly manage repayments with no fees for changing plans or repaying early.
Spend
A digital card in Apple Pay or Google Pay. Repay each transaction or your statement balance in full, or spread the cost up to 48 months.
Ask
Cred AI knows your account, ask it anything to help manage your borrowing or your credit score.
One product. Ultimate flexibility.
Like a loan
A fixed amount. A flexible term.
Borrow larger amounts of money with structured monthly payments. Then change the term whenever life changes, with no fee and no new credit search.
- Borrow up to £10,000 in one transfer
- Up to 48 months
- Shorten or stretch the term any time
- No early repayment charge
Representative example: if you borrow £1,000 over 12 months at a (variable) rate of 24.9% per annum, your representative APR will be 24.9% APR. Monthly repayments £93.81. Total amount repayable £1,125.68. Total cost of credit £125.68. Extending your term will result in an increase in total cost of credit.
Learn about Flexible LoansLike a credit card
Spend with ease. Repay your way.
Spend on your digital credit card via Apple Pay and Google Pay, wherever you shop. Repay in full or spread larger purchases.
- Apple Pay and Google Pay compatible
- Draws from your existing credit limit
- Repay in full or setup an instalment plan
- One rate. No hidden fees.
Like a line of credit
A line of credit. Always there.
Keep your credit limit available for whenever you need it. Draw down only when something comes up. Pay it off, and it's there again.
- Apply once, use again and again
- Only pay interest on what you draw
- Credit refreshes as you repay
- Account stays open if you repay in full
One product. Ultimate flexibility.
Like a loan
A fixed amount. A flexible term.
Borrow larger amounts of money with structured monthly payments. Then change the term whenever life changes, with no fee and no new credit search.
- Borrow up to £10,000 in one transfer
- Up to 48 months
- Shorten or stretch the term any time
- No early repayment charge
Representative example: if you borrow £1,000 over 12 months at a (variable) rate of 24.9% per annum, your representative APR will be 24.9% APR. Monthly repayments £93.81. Total amount repayable £1,125.68. Total cost of credit £125.68. Extending your term will result in an increase in total cost of credit.
Learn about Flexible LoansLike a credit card
Spend with ease. Repay your way.
Spend on your digital credit card via Apple Pay and Google Pay, wherever you shop. Repay in full or spread larger purchases.
- Apple Pay and Google Pay compatible
- Draws from your existing credit limit
- Repay in full or setup an instalment plan
- One rate. No hidden fees.
Like a line of credit
A line of credit. Always there.
Keep your credit limit available for whenever you need it. Draw down only when something comes up. Pay it off, and it's there again.
- Apply once, use again and again
- Only pay interest on what you draw
- Credit refreshes as you repay
- Account stays open if you repay in full
Meet Cred AI. Your money assistant.
Built into the Cred app, and it already knows your account. Ask in your own words and get an answer about your money, not a help page.
- Ask Cred AI anything about your Cred account
- Get simple to understand insights into your credit score and report
- Analyse your spending, optimise your budget
Built around you.
Four things every Cred customer gets, regardless of how you choose to use your credit.
One rate. That's it.
No setup fee, no drawdown fee, no late fee, no default fee. The rate is the rate.
Same-day funding
Approved customers usually receive their money within hours. Subject to status and individual circumstances.
Change anything, free
Change your term, your payment date, or repay early. All in the app. No new credit search, no surprises.
Free credit score
Monitor your credit score and the factors affecting it, free, directly in the Cred app.
Don't take our word for it.
“Hassle free lending and flexible ways to draw down for those unexpected expenses. Much more flexible than a loan.”
“Fast, efficient and effective process. I received my payment in less than 10 minutes.”
“Simple and straightforward application process, money landed in my bank account in minutes.”
“Everything is easy and simple and very helpful. Highly recommended.”
What we won't do.
Most of borrowing is about trust. So here's what trust looks like at Cred. The things we will never do, in writing, in plain English.
Charge you to leave early
No early settlement fee. Pay it off whenever you want, in full or in part.
Affect your credit score to check eligibility
Eligibility checks use a soft search which won't affect your credit score.
Surprise you with hidden fees
No setup fee, no drawdown fee, no late fee, no default fee. The rate is the rate.
Make you reapply to change anything
Change your term, your payment date, or repay early. All in the app, all without a fresh application.
Close your account the moment you settle
Pay it off and the line stays open. Your credit limit is there if you need it again.
Ask for an upfront fee, ever
If someone claiming to be Cred asks you to pay before your loan arrives, it isn't us. Report it to your bank and Action Fraud.
FAQs.
Cred gives you a credit limit you can use in different ways. Use it like a loan for a fixed draw with structured repayments. Use it like a credit card for everyday spending via Apple Pay or Google Pay. Or keep it as a line of credit, ready when you need it.
Your credit limit will be between £1,000 and £10,000, set when you apply. The exact limit depends on your circumstances and our checks.
No. Eligibility checks use a soft search, which is not visible to other lenders and won't affect your credit score. A hard search only happens if you proceed with a full application.
Cred is available to UK residents aged 21 to 75 who are in full-time employment. You'll need to be free from bankruptcy or insolvency in the last 36 months and have no CCJs in the last 12 months. All applications are subject to status and affordability checks.
Ready to get started?
Check your eligibility in a couple of minutes. Soft search only. Won't affect your credit score.
Representative APR 24.9% variable. Subject to status. UK residents 21+. T&Cs apply.