www.creditspring.co.uk
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Effective URL: https://www.creditspring.co.uk/
Submission: On July 23 via automatic, source certstream-suspicious — Scanned from DE
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By continuing to use the site, you agree to our Privacy and Cookies Policy * Memberships Free membership Step - 2 x £200 Loans Core - 2 x £300 Loans Plus - 2 x £500 Loans Extra - 2 x £1200 Loans * Using your loan Direct Lender Loans London Loans Holiday Loans Online Loans Unsecured Loans Instalment Loans Loans For Bad Credit Emergency Loans Wedding Loans Personal Loans Loans For The Short Term For Car Repairs Debt Consolidation Loans Small Loans Payday Loans Alternative Christmas Loans No Interest Loans Home Improvement Loans * Learn more * Reviews * Blog Log in Get started Get started * Learn more * Reviews * Blog * Log in * Memberships Free membership Step - 2 x £200 Loans Core - 2 x £300 Loans Plus - 2 x £500 Loans Extra - 2 x £1200 Loans * Using your loan Direct Lender Loans London Loans Holiday Loans Online Loans Unsecured Loans Instalment Loans Loans For Bad Credit Emergency Loans Wedding Loans Personal Loans Loans For The Short Term For Car Repairs Debt Consolidation Loans Small Loans Payday Loans Alternative Christmas Loans No Interest Loans Home Improvement Loans NEVER WORRY ABOUT HIGH-INTEREST LOANS AGAIN. £400 £2400 Step (£400) Representative example £400 88.8% Borrow £200 twice a year Rep. APR -------------------------------------------------------------------------------- 1st monthly repayment £33.35 5 remaining monthly repayments £33.33 -------------------------------------------------------------------------------- 12 monthly membership payments £7 Total cost of credit £84 -------------------------------------------------------------------------------- Interest rate p.a (fixed) 0% Total amount repayable £484 -------------------------------------------------------------------------------- 14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks. Representative example £600 83.1% Borrow £300 twice a year Rep. APR -------------------------------------------------------------------------------- 6 monthly repayments £50.00 -------------------------------------------------------------------------------- 12 monthly membership payments £10 Total cost of credit £120 -------------------------------------------------------------------------------- Interest rate p.a (fixed) 0% Total amount repayable £720 -------------------------------------------------------------------------------- 14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks. Representative example £1,000 66.2% Borrow £500 twice a year Rep. APR -------------------------------------------------------------------------------- 1st monthly repayment £83.35 5 remaining monthly repayments £83.33 -------------------------------------------------------------------------------- 12 monthly membership payments £14 Total cost of credit £168 -------------------------------------------------------------------------------- Interest rate p.a (fixed) 0% Total amount repayable £1,168 -------------------------------------------------------------------------------- 14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks. Representative example £2,400 43.7% Borrow £1,200 twice a year Rep. APR -------------------------------------------------------------------------------- 6 monthly repayments £200.00 -------------------------------------------------------------------------------- 12 monthly membership payments £24 Total cost of credit £288 -------------------------------------------------------------------------------- Interest rate p.a (fixed) 0% Total amount repayable £2,688 -------------------------------------------------------------------------------- 14 days to change your mind for free. Total amount repayable over 13 months. Loans are subject to status and eligibility checks. What's included: Join more than 270,000+ people who use Creditspring to improve their credit and access on-demand loans. * Clear pricing * Never any hidden fees * No risk of debt spiral * Easy renewal -------------------------------------------------------------------------------- FEATURED IN Check eligibility FEATURED IN JOIN CREDITSPRING IN 5 EASY STEPS Step 01 Check your eligibility and get your offer Two no-interest loans per year. No hidden fees ever. What you see is what you get. Step 02 Take 14 days to cool off You have 14 days to decide if you want to be a member. After that, you will have to pay each month. Step 03 Unlock your first loan Get access to your first advance and borrow whenever you need it. Repay in 6 monthly instalments. Step 04 Unlock your second loan Unlock and borrow your second loan, once your first loan is repaid. Repay in 6 monthly instalments. Step 05 Renew for more peace of mind Renew your membership to instantly unlock your next loan with no 14-day cooling off period. MORE THAN JUST LOANS Creditspring is helping people in the UK with tools and resources to achieve financial stability. Check eligibility See your finances like never before. Get insights into your finances and comprehensive tips tailored to your situation. Track your financial stability Get an exclusive measurement of how capable you are to weather any monetary storm. New possibilities with our partner offers Get access to member-exclusive money-saving content. 3 REASONS TO JOIN CREDITSPRING Join more than 200,000 people who use Creditspring to improve their credit and access on-demand loans. No Debt Spiral: We promote healthier financial habits ensuring you never get caught out. Clear Pricing: Say goodbye to hidden fees and confusing terms. Always know what you're paying for. Credit Building: Creditspring helps you build your credit score, empowering you to access better financial products in the future. Check eligibility Late and missed payments, along with other external factors, can have a negative effect on your credit score. “It's been easy from day one. Application easy, requesting loan easy.” Gareth E., Creditspring member “I renewed my membership for another year...Highly recommend.” Jonathan S., Creditspring member “They stuck to what they said. I would highly recommend to anybody.” Matthew J., Creditspring member “They have given me the lifeline to keep my finances in check.” Louise A., Creditspring member “Great product. The product as a credit builder is fantastic.” James F., Creditspring member “Great customer service...Credit score improved massively.” Becky E., Creditspring member FAQS All the answers you want We know financial products can be difficult to get to grips with, so we've included some of the key questions you may have. However, if the question you need an answer to isn't here, head over to our Help Centre for more. How does Creditspring work? We offer various memberships that will assist you in planning for your future, building your financial stability and boost your finances for unexpected expenses. There is a limit of one membership per person, and there are 12 monthly instalments. We do things a bit differently. Instead of adding interest, we'd rather give you a no-interest loan and charge a membership fee that is spread over the course of your agreement. We believe this is a simpler and honest way of doing business. It also means that as a member, you know you'll never pay more than your monthly membership fee and what you borrowed. Read on here What are the application requirements for a Creditspring membership? There are many factors involved in determining if you are eligible for a Creditspring membership. The following are some of the requirements to apply for a Creditspring membership: * You must be over the age of 18 * Have a UK bank account older than 3 months * Earn a minimum of £14,000 per year * Have no recent CCJ, IVAs or bankruptcies Creditspring membership is subject to status. Terms and conditions apply. How does a core membership work? There's a £10 fixed monthly membership fee. With this membership, you will have access to two no-interest, pre-approved £300 advances per year. The first advance must be paid in 6 monthly instalments before the remaining is accessible. Representative example: Total amount of credit £600 repayable over 13 months. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 83.1% APR. The first repayment for each advance is £50.00, due 45 days after drawing, followed by 5 monthly repayments of £50.00. Total amount payable £720. Will applying to Creditspring affect my credit score? If you apply for a Creditspring membership and are not eligible, it will not affect your credit score. It will leave a “soft footprint” on your credit report that only you will be able to see. If you are eligible for a Creditspring membership and you accept a membership, our credit check will then be posted as a “hard footprint” on your credit report, accessible by other lenders. Once you are a member, we will continue to report your monthly membership payments and any repayments of your advances to the credit agencies. Does Creditspring provide loans for people with bad credit? People often come to us when they’re looking for bad credit loans, but our loans are for everyone, and we don't just look at the usual range of eligibility factors and your credit score. If you have bad credit, we’ll consider your overall financial situation and your ability to repay what you borrow. Here for when life happens Company * Home * Learn more * About us * Contact us * Help Centre * Careers * Press * Partnerships Resources * Loan calculator * Reviews * How we compare * Financial stability * Credit builder * Benefits finder * Blog Latest from our blog * 7 Money Lessons We Wish We’d Learnt Sooner * Can I Get a Creditspring Loan in Scotland? * Credit Broker vs Direct Lender: What’s the Difference? * How To Avoid Loan Sharks This Summer * 7 Travel Hacks To Save You £££s © 2024 Creditspring is the trading name of Inclusive Finance Limited, registered in England and Wales, company number 10522518, registered office: 1st Floor South (Office A), 75 Davies Street, LONDON, W1K 5JN. We are authorised and regulated by the Financial Conduct Authority, registration number: 786052. We are also registered with the Information Commissioner's Office, reference: ZA252803. By continuing to use the site, you agree to our cookies and privacy policy.