Creditbuilder
Build your credit score
How Creditbuilder works
Make payments & track your progress
Creditbuilder is a 12-month commitment to paying your monthly £5.95 account fee on time.
Track your progress through the Creditbuilder dashboard in-app or online, where you’ll find your payment dates, outstanding balance, and payment history.
Grow your credit score
We’ll report your monthly repayments to credit reference agencies, which could build your credit score.
This isn’t an overnight fix, but you could see an improvement within months.
Need to know
- You must be able to afford to make all your 12 monthly payments of £5.95 on time, as missing a payment can harm your credit score.
- You can cancel within the first 14 days. Otherwise, you're committed to making the 12 monthly account fee payments
- Creditbuilder isn’t a credit card, and you won’t get money from us when you use it.
Representative example
Payments: 12 monthly payments of £5.95
Total amount payable: £71.40
Interest rate: 0%
Representative APR: 0%
We structure Creditbuilder as a loan for the purpose of reporting to credit reference agencies. Remember, you won’t get money from us and it’s easiest to think of Creditbuilder as a payment plan.
Want to know more?
Get answers to your questions about Creditbuilder in our online Help section .