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

Download the app

Check if you’re eligible for credit

Enjoy The Credit Thing!

27.9% APR

(Variable)

We’ll send you a message with a link to

download The Credit Thing app

For iOS

For Android

Representative Example

Assumed Credit Limit

£ 1200

Interest on Purchases

27.9% (Variable)

Representative APR

27.9% (Variable)

Annual fee

None

Interest on Purchases

27.9% (Variable)

Annual fee

None

Who is The Credit Thing for?

Everyone!

You want to build or improve your credit record

You are new to credit or new to the UK and need an account

You are bored of the same big banks, long forms and slow answers

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	-16.00	2%
Auto	-180.00	11%
Jewellery	-250.01	13%

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

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

Why should I choose

The Credit Thing

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

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

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

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

Apply Now

Scan QR code to get

The Credit Thing