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Looking for information on Credit Spring? Creditspring (often written as “credit spring”) is a UK-based, FCA-regulated lender that offers short-term, no-interest loans through a subscription membership model rather
Looking for information on Credit Spring? Creditspring (often written as “credit spring”) is a UK-based, FCA-regulated lender that offers short-term, no-interest loans through a subscription membership model rather than charging traditional interest on borrowing.
Instead of APR on a loan, you pay a fixed monthly membership fee. In return, you get access to two pre-approved, interest-free loans per year. Each loan must be repaid over six monthly instalments before you can draw the second. Funds typically land in your account within 24 hours of making a request.
This guide covers every membership tier, what it actually costs, who qualifies, how to sign in to your account, and the things worth knowing before you join.
Creditspring is the trading name of Inclusive Finance Limited, registered in England and Wales (company number 10522518). It is authorised and regulated by the Financial Conduct Authority under registration number 786052. The company’s registered office is at 86-90 Paul Street, London, EC2A 4NE.
The model works as a subscription rather than a conventional loan. You pay a monthly membership fee throughout your 12-month agreement. In exchange, you get access to two loans per year, each charged at 0% interest. The fee you pay each month is effectively the total cost of borrowing: there are no hidden charges, no late fees in the traditional sense, and no interest added on top.
Repayments begin approximately 45 days after you draw a loan, not on the day you receive the money. After that first payment, five more monthly instalments clear the balance. Once the first loan is fully repaid, you can draw your second for that year.
Creditspring reports all on-time membership payments and loan repayments to UK credit reference agencies. That means each payment made on time may help build your credit history. Missed payments are also reported, which could lower your score.
There are four paid membership tiers. Each one defines how much you can borrow and what you pay per month. The fees are fixed for the duration of your 12-month agreement, which means the total cost of credit is predictable before you sign up.
[Table: Creditspring membership tiers, monthly fee, loan amounts and representative APR]
| Membership | Monthly fee | Each loan | Annual borrowing | Rep APR |
| Step | £10 | £200 (2 x £200) | £400 | 91.3% |
| Core | £10 | £300 (2 x £300) | £600 | 83.1% |
| Plus | £14 | £500 (2 x £500) | £1,000 | 66.2% |
| Extra | £26 | £1,200 (2 x £1,200) | £2,400 | 48.1% |
Note: The figures in this table reflect representative examples from the Creditspring website as of July 2026. Always check the current figures at creditspring.co.uk/loan-calculator before applying, as these may change.
The APR figures look high, but they reflect the total cost of membership (the monthly fee) spread across the loan amount, not interest applied to borrowing. To put the costs in concrete terms:
The first repayment for each advance falls approximately six weeks after you draw, then five monthly repayments follow.
Creditspring also offers a free membership tier. This is aimed at people who are not yet eligible for a loan. As a free member, you get monthly soft credit checks (which don’t affect your score), access to Creditspring’s Spring Score tool, and personalised tips for improving your eligibility. There is no charge, and Creditspring will notify you when you become eligible for a full membership with a credit agreement.
Creditspring Go is a separate product aimed at people who may not yet qualify for a standard Creditspring membership, particularly those with little or no UK credit history. If you’re new to the UK, have never had credit, or have had past issues that mean you can’t access a standard membership, Go offers a path toward eventual loan access.
With Go, you pay £7 per month and build a consecutive monthly payment streak. Eligibility is reviewed from month three onwards. If Creditspring invites you to apply for a loan and your application is successful, you move into a standard membership. If you complete a full streak and your application is unsuccessful, Creditspring refunds the membership fees from that streak in full.
Go does not report payments to credit reference agencies (unlike the standard membership tiers), so it won’t directly build your credit score in the way a standard account does.
Creditspring doesn’t publish every eligibility criterion, but the following requirements are confirmed on their website. To apply for a standard membership, you must:
The eligibility checker on the Creditspring website gives a quick indication of which tier you’re likely to qualify for. A soft search is used at this stage and leaves no mark visible to lenders on your credit file, only to you.
If you don’t meet eligibility criteria for a standard membership, Creditspring may suggest the free membership or Creditspring Go, depending on your circumstances.
Applying takes place entirely online through creditspring.co.uk. The process from start to first loan access takes at least 14 days because of a mandatory cooling-off period. <br>
Step 1: Check eligibility. Go to creditspring.co.uk and use the free eligibility checker. This involves a soft credit search and asks for basic personal, employment, and financial information.
Step 2: Choose a membership tier. If eligible, you’ll be shown which tiers you qualify for. Select the one that matches what you need to borrow.
Step 3: Complete the full application. Creditspring runs a hard credit check at this point, which will appear on your credit file. Provide confirmation of bank details and set up a direct debit.
Step 4: Wait 14 days. There is a mandatory 14-day cooling-off period from the date of your membership agreement. You can cancel during this period without penalty.
Step 5: Draw your first loan. After the cooling-off period, log in to your account and request your first advance. Money typically arrives within 24 hours (payments are processed between 8am and 8pm, seven days a week, excluding bank holidays).
Step 6: Repay and access your second loan. Repay the first advance in full before drawing the second.
Once you’re a member, the Credit Spring login page is at creditspring.co.uk. Click “Log in” in the top right corner of the homepage. You’ll sign in using the email address and password you set when you registered.
Inside your account you can:
If you’ve forgotten your password, use the “Forgot your password?” link on the login page to receive a reset email.
Security alert from the FCA: The Financial Conduct Authority has issued a warning about a clone firm operating under the name “creditspring loans” (with contact numbers including 02035751313 and 02081336100). This clone is not authorised by the FCA and is not connected to the real Creditspring. Always access your account directly by typing creditspring.co.uk into your browser. Do not click links in unsolicited emails or texts claiming to be from Creditspring. The genuine Creditspring phone number is 020 3870 3332 (Monday to Friday, 9am to 5pm), and the genuine email is info@creditspring.co.uk.
Every on-time membership payment and loan repayment is reported to UK credit reference agencies. This is one of the main reasons people choose Creditspring alongside needing the loan itself: consistent, on-time payments over the 12-month agreement can help build a positive credit history.
The flip side: missed membership fees and missed loan repayments are also reported. Creditspring does not charge late fees in the traditional sense, but they explicitly warn that missed payments can lower your credit score and damage your ability to access credit elsewhere in the future. If you’re struggling with a payment, contact Creditspring at least five business days before the payment date. They work with customers to agree revised arrangements where possible.
Creditspring Go does not report payments to credit agencies, which is the main practical difference between the two products.
The subscription model is genuinely different to most lending products, and a few points are worth understanding clearly before you apply.
The membership fee is owed whether or not you draw either loan. If you become a member and decide not to borrow, you still pay the monthly fee for the full 12-month term. The fee is the cost of having the facility available.
You can repay a loan early. Early repayment is allowed at any time and your monthly repayments would reduce accordingly. However, if you cancel the membership itself after taking out a loan, you may owe an early settlement payment covering any remaining membership fees.
The minimum income requirement of £14,000 per year excludes some people with irregular or low incomes who might otherwise benefit from a structured credit product.
Creditspring is a direct lender, not a broker. There is no middleman, no passing of your data to multiple third parties during a search, and no commission paid to brokers.
Over 300,000 people have used Creditspring. On Trustpilot, it holds an “Excellent” rating with over 27,000 reviews as of July 2026, with 92% rated five stars. This reflects the platform’s Trustpilot score; individual experiences vary.
Q: What is Credit Spring?
Credit Spring (usually written as Creditspring) is a UK FCA-regulated subscription lender. Members pay a fixed monthly fee, from £10 to £26, to access two no-interest loans per year. Loan sizes range from £200 to £1,200 per advance depending on your membership tier. There are no hidden charges; the monthly fee is the only cost beyond repaying what you borrow.
Q: Is Creditspring legitimate?
Yes. Creditspring is the trading name of Inclusive Finance Limited, regulated by the Financial Conduct Authority under number 786052. You can verify this at register.fca.org.uk. Be aware the FCA has warned about a clone fraud firm calling itself “creditspring loans” that is not authorised. Always go directly to creditspring.co.uk.
Q: How do I log in to my Creditspring account?
Go to creditspring.co.uk and click “Log in” in the top right corner. Use the email and password you created when you joined. If you’ve forgotten your password, use the “Forgot your password?” link on the login page.
Q: Does Creditspring do a credit check?
Creditspring runs two checks. A soft search is used for the eligibility check and doesn’t affect your credit score. If you choose to proceed to full membership, a hard check is run, which will appear on your credit file and may be visible to other lenders.
Q: Will Creditspring help me build my credit score?
On-time payments are reported to UK credit reference agencies, so consistent repayment may improve your score. Missed payments are also reported and could harm it. Creditspring Go payments are not reported to credit agencies.
Q: Can I get a Creditspring loan with bad credit?
Creditspring considers your overall financial situation, not just your credit score. It is possible to be approved with a poor credit history, provided you meet income requirements and have no recent CCJs, IVAs, or bankruptcies. If you don’t qualify initially, the free membership or Creditspring Go may be suitable while you work on eligibility.
Q: How long does it take to get money from Creditspring?
There is a mandatory 14-day cooling-off period after you become a member before you can draw your first loan. After that, once you request an advance, funds typically arrive within 24 hours. Payments are processed between 8am and 8pm, seven days a week, excluding bank holidays.
Q: Can I cancel my Creditspring membership?
You can cancel at any time. If you cancel within the 14-day cooling-off period before drawing any loan, there is no penalty. If you cancel after drawing a loan, you may owe an early settlement payment covering remaining membership fees for the term.
Q: What is the Creditspring contact number?
The genuine Creditspring phone number is 020 3870 3332, available Monday to Friday, 9am to 5pm. You can also contact them via the live chat in your member account or by emailing info@creditspring.co.uk.
