Cred‪.‬ 4+

Flexible credit to be used in a way that suits you. Use it like a credit card, a loan, or an overdraft.

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases or withdrawals of 18.9% p.a. variable, you will be charged 18.9% APR representative variable.

Welcome to the future. Flexible credit you control.

Use it like a credit card (*digital card coming soon)
Use your Cred digital credit card to make purchases seamlessly with your Cred account. Transfer & consolidate high-cost balances from other cards and save money with rates from 18.9% APR.[1]

Use it like a personal loan
Instantly draw down larger amounts for one off purchases or to consolidate debts and build your own repayment plan over a period that suits you.[2]

Use it like an overdraft
Want a cheaper alternative to your bank overdraft or don't currently have one? Connect Cred to your current account and sit back and enjoy great rates & peace of mind that Cred's got you covered.[3]

[1][2] Consolidating debts might involve payment of a higher rate of interest or charges - or both. Consolidating debts might also increase the overall period required for repayment.

[3] Cred rates are lower than most high street bank overdraft rates. However, some overdrafts may be cheaper and you should always check Cred's rates against the other rates that are available to you.