Join The Credit Revolution

Apply Now

A new approach - credit at your fingertips. We’ve developed an app that you’ll want to use every day
mobile-phone_1f4f1.png
Download the app
electric-light-bulb_1f4a1.png
Check if you’re eligible for credit
smiling-face-with-sunglasses_1f60e.png
Enjoy The Credit Thing!
27.9% APR
(Variable)
mobile-phone-with-rightwards-arrow-at-left_1f4f2.png
We’ll send you a message with a link to

download The Credit Thing app

Scan QR code to get

The Credit Thing

For iOS
smiling-face-with-sunglasses_1f60e.pngsign-of-the-horns_1f918.pngperson-surfing_light-skin-tone_1f3c4-1f3fb_1f3fb.png
For Android
rocket_1f680.pngbomb_1f4a3.pngweary-cat_1f640.png

Representative Example

money-with-wings_1f4b8.png

Assumed Credit Limit

£ 1200

shopping-bags_1f6cd-fe0f.png

Interest on Purchases

27.9% (Variable)

man-technologist_1f468-200d-1f4bb.png

Representative APR

27.9% (Variable)

clipboard_1f4cb.png

Annual fee

None

shopping-bags_1f6cd-fe0f.png

Interest on Purchases

27.9% (Variable)

clipboard_1f4cb.png

Annual fee

None

Who is The Credit Thing for?

Everyone!

flexed-biceps_1f4aa.png
You want to build or improve your credit record
man-raising-hand_1f64b-200d-2642-fe0f.png
You are new to credit or new to the UK and need an account
exploding-head_1f92f.png
You are bored of the same big banks, long forms and slow answers
rocket_1f680.png
You value innovation, convenience and transparency

Credit subject to status. You must be 18 or older and resident in the UK

The Credit Thing Features

Shake to Pay

If your friend has The Credit Thing, it's easy to send them money. Just shake your phones near each other - it's as simple as that

Scheduled payments

Set up reminders for payments - let us do the worrying for you

Tools to monitor your spend

Simple charts to track your spend
Household appliances-16.002%
Auto-180.0011%
Jewellery-250.0113%

Instant
Virtual Card

Use The Credit Thing anywhere you see the Mastercard logo

Apple and Google Pay

Pay for purchases without a physical card. In stores, in apps and on the web

Apply Now for

The Credit Thing

The Benefits

Protecting your money

We have controls to protect you from fraud and we’re always on hand to help

Human customer service

You can reach our customer support team in your app, WhatsApp or iMessage

Fee-free overseas spend

Make transactions overseas with the best Mastercard rates and no fees

Securing your account

If you misplace your card, you can freeze your account on our mobile app

Check your eligibility for

The Credit Thing

Why should I choose

The Credit Thing

red-heart_2764-fe0f.png

We care about our customers. Even though we value technology, we still have a human customer service team to answer any questions you have

handshake_1f91d.png

We look at your eligibility for credit as an individual, and use Open Banking to make things easy - no need to send in bank statements or answer lots of questions to apply

fire_1f525.png

We make things clear and easy, so if you are new to credit or need to build your credit record, you stay in control

man-surfing_1f3c4-200d-2642-fe0f.png

We made The Credit Thing as simple, clear and convenient as possible. We know your time is valuable so we don’t bury you in paperwork

Apply Now for
The Credit Thing?
We’ll send you a message with a link to

download The Credit Thing app