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Let's check this is right for you.

A quick eligibility check. A soft credit search, no impact on your credit score. Takes about 30 seconds.

To apply, you'll need to:

  • Be a UK resident aged 21 to 75
  • Be in full-time employment
  • Be free from bankruptcy or insolvency in the last 36 months
  • Have no CCJs in the last 12 months
  • Not currently be in a Debt Management Plan
  • Have a UK bank account in your name where your income is paid into

Tick all of these? You're ready to check your eligibility in the Cred app.

Not for me

Soft search only. Checking won't affect your credit score.

Representative APR 24.9% variable. Subject to status. UK residents 21+. T&Cs apply.

A note on fraud

Cred will never ask you to pay an upfront fee, transfer money before your loan arrives, or share your login details. If anyone claiming to be Cred asks for these, report it to your bank and Action Fraud.