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

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.

If you're a Core member, and you borrow both advances as early as allowed under the agreement (for example, after your 14-day cooling-off period) and you repay each instalment in full and on time, the APR is 48.1%.

However, if you choose to borrow only one advance, and you do so at the earliest point permitted, repay each instalment in full and on time, and the agreement runs for a minimum term of 12 months, the APR would be 95.0%

It is important to note that we don't offer refunds on monthly fees if you decide not to borrow the maximum amount of credit available to you during your membership. As always, it is important to read all the terms of your agreement before taking up a product with us. Read on here

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.

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.

Yes, Creditspring is a direct lender. We provide small, personal loans – sometimes referred to as direct lender loans – that are disbursed directly to you. This means there's no broker or middleman, you just deal with us. We'll approve (or reject) your application, and we'll transfer the funds to your bank account, if your application is successful.

We will randomly select one winner in our monthly prize draw to have their annual Creditspring loan waived. To qualify for entry, you must meet the following criteria:

1. The referrer who recommended Creditspring to you must be selected as the initial winner.
2. You must apply for a Creditspring loan product, have your application approved, sign the loan agreement, and maintain an active membership without cancellation within the initial 14 days. If all criteria are met, you will automatically be entered into the prize draws for the month in which you sign your loan agreement.

If the winning referrer has multiple successful referrals, all referees (the individuals referred by the referrer) will be included in the lucky draw pool, but only one winner will be chosen. If you are randomly chosen as the winner, we will notify you via email by the 15th of the following month at the latest.