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No extra fees, no interest
Transparent and fixed pricing
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.
Pave - formerly Portify - is the UK's first credit score building and interest-free loan app. It allows you to track your income, expenses, and bills so that you never miss another payment. You can also use the balance prediction feature to see how much money you'll have in a month before spending it.
The Pave App is a simple way to manage your money and make sure you're always on top of your finances. It's a free tool that lets you track your income and expenses, set savings goals, and even pay bills. All it takes is a few minutes a day, and you'll be able to stay on track with your finances.
Pave has also partnered with Experian to provide credit score building and interest-free loans for its users. Each monthly subscription payment and loan repayment on the app is reported to Experian and builds positive credit history.
There are different ways to build your credit so if you’re looking for a few different options, we’ve listed the top five Portify alternatives in the UK.
As a top Portify alternative, Creditspring offers you no-interest loans (Rep APR 83.1%). Depending on your eligibility, you will be offered one of three available membership levels at Creditspring, offering you the chance to rebuild your credit or even get the cash you need to finance an unforeseen expense.
At Creditspring there are no surprises, this means that you will only pay your monthly membership fee along with what you borrow. You’ll get two loans per year. Depending on your membership level, these loans range from £200 to £1200, with the first loan available within 14 days after approval.
As there is no interest payable on these loans, Creditspring is a great alternative to Portify. You simply pay a small monthly membership fee in addition to the loan amount - that’s it! The first step is to see if you qualify and this is a quick process that will check your eligibility within minutes.
LOQBOX is a tool that builds your credit score over the course of a year so you can access more lenders and better rates. LOQBOX reports to all three credit agencies. The platform allows users to complete simple tasks on their phone or computer, which can be completed anywhere, anytime.
The idea behind LOQBOX is that it's an opportunity for everyone in the UK—from students to retirees—to make extra money while doing what they already love doing online.
To use the service, you tell LOQBOX how much you think you can save in a year. This amount is locked away in a 0% APR loan which you pay off each month.
You choose this amount by entering how much money you think you'll save on interest from your current credit card or loan provider. You can also enter what type of loan (auto, mortgage, student) and whether it's for personal or business use—and the tool will figure out how much money should be saved each month to get the best possible rate when it comes time to apply for a loan.
CreditLadder is an app that ensures your rent payment each month builds your Experian credit history. Where mortgage payments have helped homeowners improve their credit, renters have largely been left behind. This is where the CreditLadder app comes in - it also reports your rental history to one of the largest UK financial institutions, Nationwide.
CreditLadder automatically reports your rental payments to Experian, Equifax and TransUnion. You simply pay your rent like you normally do, and Credit Ladder will securely read your rent payment from your bank account and alter the credit reference agencies automatically.
If you’re a tenant, CreditLadder can help you build up a good credit score which can help you get the best possible deal on loans and mortgages in the future.
By showing Lenders how reliable you are when it comes to paying your rent on time, they can trust that if they give you a loan or mortgage, you will pay it back on time too.
Self is a fantastic way to build credit. The app-based service allows you to create a credit-builder account with your smartphone and choose the payment terms and amounts owed (starting at £25/month). Payments are reported to the three major credit reference agencies.
After signing up for Self, you'll be asked to verify your identity by uploading a photo of your passport or driving license. This step can be skipped if you want, but it's recommended that you do so because it helps ensure that no one else can open an account in your name.
Once you've set up your account, it's time to make a payment! You can choose how much money you want to pay and how often (weekly, monthly). Payments are automatically debited from your bank account every time they're due, so there's no need to worry about forgetting payments or missing one here or there—you don't even need to think about it!
The great thing about Self is that payments are reported directly to Experian, Equifax, and TransUnion—three of the biggest credit reference agencies in the UK. The app has a rating of 4.9 out of 5 stars on the iOS app store, so it's clear that people love using it.
The Money Dashboard app is a personal finance management tool that helps you keep track of your income and expenses to be sure that your money is going where it should. The app is free to use and available on both Android and iOS devices.
To get started, all you need to do is set up an account by entering some basic information about yourself—which will help us tailor the app to your needs—and link any bank accounts or credit cards that you have. Then you'll be able to enter any other accounts that you want to track, such as rental payments or savings goals.
The next step is adding transactions! You can do this manually by logging into the app, or automatically with Google Pay or Apple Pay. If you prefer not to use those services, there are also options for linking other financial institutions through our partners at Plaid Bank and TransferWise. Once everything is set up, it's time for the fun part: seeing where all of your money has been going!
Tiller is a free tool that helps you manage your money. It's easy to get started, and best of all, it's free. Here's how it works:
Sign up for an account and connect your bank accounts. We'll automatically pull in your transactions from your connected accounts and categorise them for you. That way you can see where your money is going without having to do any of the work!
Create a budget. You can do this by adding expenses and income, or by using our "smart" budgeting feature which automatically assigns categories based on what you've spent in the past, so you don't have to manually enter everything yourself.
The Tiller Money app works by connecting to your bank account and gathering spending data. The app then analyzes that data and creates a budget based on your spending habits. It also keeps track of your income and lets you know how much money you have leftover each month to save or spend as you wish.
These apps are designed with the average person in mind—they're easy to use and understand, so you don't have to be an expert in credit scores or have a lot of experience with finance or accounting to use them. So, if you want to improve your credit score, give these top apps a try.