UK customers • Soft-search eligibility • Clear terms
Fair, transparent credit—built for your progress
Access straightforward bad credit credit cards and fixed personal loans with transparent fees and clear limits. Check if you could be eligible in minutes using a soft search (where applicable) without affecting your credit score. Manage everything in a simple app with reminders and controls.
What we offer
Simple products with predictable costs and clear controls—so you can move forward with confidence.
Credit Cards
Build credit responsibly with clear limits
A straightforward card focused on helping you strengthen your credit profile over time. Predictable fees and simple app controls keep you in charge.
Personal Loans
Fixed monthly repayments, no surprises
Unsecured loans with fixed repayments and no early repayment fees—ideal for consolidating debt or funding essentials with clarity.
Eligibility Checker
Quick check with a soft search (where applicable)
See if you could be eligible in minutes without affecting your credit score. No obligation—just clarity before you apply.
Proof in numbers
We focus on speed, clarity, and support—so you can make informed decisions.
Typical applicants receive an initial outcome in minutes. Timings can vary.
Aggregated feedback across recent customer cohorts.
How it works
Get clarity before you apply, then manage everything in-app with reminders and controls.
Check if you could be eligible
Answer a few questions to run a soft-search eligibility check (where applicable) that won’t affect your credit score.
Complete your application
Confirm your details, identity, and affordability so we can provide a responsible decision.
Get a decision
If approved, we’ll confirm your initial credit limit or loan terms with clear fees and repayment dates.
Manage repayments with alerts
Use reminders and autopay to stay on track and build your credit profile over time.
See your limits, fees, and payments at a glance
Our app keeps everything clear—so you know exactly what’s due and when.
Review limits, upcoming payments, and any fees in one place. Set up reminders and adjust preferences anytime.
What customers say
Short, real-world outcomes from everyday UK customers.
“Clear limits and simple app—exactly what I needed.”
Sam R.
Customer
“I finally have a card I can manage confidently.”
Amelia T.
Customer
Top questions, answered
These FAQs cover our UK credit cards and personal loans. Always read your agreement for full details.
Customers with limited or poor credit histories who want to build credit responsibly. Use your card within your limit and make payments on time to help strengthen your profile.
Our initial eligibility checks may use a soft search (where applicable), which doesn’t affect your credit score. Submitting a full application can involve a hard search. See your application for details.
40% representative APR. Your actual rate depends on your circumstances and may differ. Terms apply.
You can typically repay early without penalties, helping reduce interest overall. Check your agreement for the exact terms.
Missing a payment may incur charges and could impact your credit score. Set up reminders and consider autopay. If you’re worried, contact support at [email protected] as soon as possible.
Check your eligibility in minutes
Soft-search check (where applicable) with no impact to your credit score. Fast, transparent, UK-based support.