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Creditspring logo
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Borrow
up to £400 a year

No interest. Just one simple fee. With a £400 Creditspring membership, you can access up to £400 in credit each year through two £200 loans. There’s no interest charged. Instead, you pay a fixed membership fee of £7 a month (£84 a year).
Check eligibility
Representative example: Total amount of credit £400 repayable over 13 months (borrow £200 twice a year). Membership fee (total cost of credit) £84, payable in 12 monthly payments of £7. Interest rate 0% p.a (fixed). Representative 88.8% APR. The first repayment for each advance is £33.35, due approximately 6 weeks after drawing, followed by 5 monthly repayments of £33.33. Total amount payable £484.
smiling Creditspring customer

Memberships
made for plans
big and small.

Start building your credit today and access
your first loan after 14 days.
Check eligibility

Late and missed payments, along with other external factors, can have a negative effect on your credit score.

Extra
Borrow £2,400 a year and repay only £2,712 over 12 months.
Plus
Borrow £1,000 a year and repay only £1,168 over 12 months.
Core
Borrow £600 a year and repay only £720 over 12 months.
Step
Borrow £400 a year and repay only £484 over 12 months.
Extra
Plus
Core
Step
Fingers crossed 2 loans per year
£1,200 + £1,200
Wallet Repay each loan in
6 months
Coins Membership fee (total cost of credit)
£312
Coins 12 membership payments
£26/month
Rep APR Representative APR
48.1%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £2,400 repayable over 13 months (borrow £1,200 twice a year). Membership fee (total cost of credit) £312, payable in 12 monthly payments of £26. Interest rate 0% p.a (fixed). Representative 48.1% APR. The first repayment for each advance is £200.00, due approximately 6 weeks after drawing, followed by 5 monthly repayments of £200.00. Total amount payable £2,712.
Fingers crossed 2 loans per year
£500 + £500
Wallet Repay each loan in
6 months
Coins Membership fee (total cost of credit)
£168
Coins 12 membership payments
£14/month
Rep APR Representative APR
66.2%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £1,000 repayable over 13 months (borrow £500 twice a year). Membership fee (total cost of credit) £168, payable in 12 monthly payments of £14. Interest rate 0% p.a (fixed). Representative 66.2% APR. The first repayment for each advance is £83.35, due approximately 6 weeks after drawing, followed by 5 monthly repayments of £83.33. Total amount payable £1,168.
Fingers crossed 2 loans per year
£300 + £300
Wallet Repay each loan in
6 months
Coins Membership fee (total cost of credit)
£120
Coins 12 membership payments
£10/month
Rep APR Representative APR
83.1%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £600 repayable over 13 months (borrow £300 twice a year). Membership fee (total cost of credit) £120, payable in 12 monthly payments of £10. Interest rate 0% p.a (fixed). Representative 83.1% APR. The first repayment for each advance is £50.00, due approximately 6 weeks after drawing, followed by 5 monthly repayments of £50.00. Total amount payable £720.
Fingers crossed 2 loans per year
£200 + £200
Wallet Repay each loan in
6 months
Coins Membership fee (total cost of credit)
£84
Coins 12 membership payments
£7/month
Rep APR Representative APR
88.8%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £400 repayable over 13 months (borrow £200 twice a year). Membership fee (total cost of credit) £84, payable in 12 monthly payments of £7. Interest rate 0% p.a (fixed). Representative 88.8% APR. The first repayment for each advance is £33.35, due approximately 6 weeks after drawing, followed by 5 monthly repayments of £33.33. Total amount payable £484.
Check eligibility

Late and missed payments, along with other external factors, can have a negative effect on your credit score.

£400 loans from Creditspring

With our £400 membership:

  • You borrow £200 twice a year, for a total of £400

  • You pay £7 a month for 12 months

  • Annual interest: £0 (Representative APR 88.8%)

  • Annual membership cost: £84

  • Total repayable: £484

New members can access their first loan 14 days after approval, once the cooling-off period has passed. After you’ve fully repaid your first loan, you can take your second.

How our £400 membership works

With our £400 membership:

  • You borrow £200 twice a year, for a total of £400

  • You pay £7 a month for 12 months

  • Annual interest: £0 (Representative APR 88.8%)

  • Annual membership cost: £84

  • Total repayable: £484

New members can access their first loan 14 days after approval, once the cooling-off period has passed. After you’ve fully repaid your first loan, you can take your second.

Check your eligibility
What our members
say about us

Designed to help you build your credit history

We report repayment behaviour to credit reference agencies. Build your credit score with every on-time payment. Remember, other factors can affect your score.

Who this may suit

A £400 membership may be right for you if:

  • You want predictable access to credit

  • You prefer fixed repayments and clear costs

  • You’re comfortable waiting 14 days to access your first loan

  • You want to build your credit through consistent repayments

Get a loan
Navigate your financial needs with Creditspring's £400 loans
Check your eligibility

What can I use a £400 loan for?

Our members use their loans for a range of smaller expenses, such as:

  • Unexpected household bills

  • Car or home repairs

  • Short-term budgeting gaps

Whatever it’s for, make sure the repayments feel affordable before applying.

Why choose a £400 membership?

Smaller loans are often used for short-term or unexpected expenses.

With Creditspring:

  • You know the total cost upfront (£84 membership fee)

  • You repay in fixed instalments

  • You pay no interest

  • There are no hidden fees

We’re here to help you borrow confidently and repay comfortably.

Always make sure you understand the full cost of borrowing and that repayments are affordable for you.

Eligibility

To apply, you must:

  • Be a UK resident aged 18 or over

  • Have a regular income

  • Pass our affordability and creditworthiness checks

Membership is subject to status. Terms and conditions apply.

You can check your eligibility in under a minute and it won’t affect your credit score.

Can I apply with bad credit?

We consider applications from people with a range of credit histories.

While your credit score is one factor we review, we also assess affordability and other financial information to understand your overall situation (Representative 88.8% APR).

Credit provided by Inclusive Finance Ltd t/a Creditspring. Loans are subject to status, for over 18s only and T&Cs apply.

Join Creditspring
Are you ready to start your journey with Creditspring?
Check your eligibility

Frequently Asked Questions

When can I access the money? 

After approval and once your 14-day cooling-off period has passed, you can request your first loan. Funds are typically transferred within 24 hours (excluding bank holidays).

Can I repay early? 

Yes. You can repay early via card or Open Banking. More information is available in your account.

What other loan amounts are available? 

We also offer memberships providing access to £600, £1,000 and £2,400 in total credit per year.

What if I’m not eligible? 

You can sign up as a free member to access tools, credit-building guidance, exclusive partner offers and personalised eligibility updates.

Check your eligibility