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
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Download the app
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Check if you’re eligible for credit
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Enjoy The Credit Thing!
27.9% APR
(Variable)
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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
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For Android
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Representative Example

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Assumed Credit Limit

£ 1200

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Interest on Purchases

27.9% (Variable)

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Representative APR

27.9% (Variable)

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Annual fee

None

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Interest on Purchases

27.9% (Variable)

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Annual fee

None

Who is The Credit Thing for?

Everyone!

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You want to build or improve your credit record
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You are new to credit or new to the UK and need an account
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You are bored of the same big banks, long forms and slow answers
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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

Regular payments

Pay your bill automatically each month

with your debit card, or directly from

your bank account

Tools to monitor your spend

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

Virtual and
physical cards

Get your virtual card instantly,

and order a beautiful card for

your wallet

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

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

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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

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

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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