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4 reviews

43.1% Representative

Will lend between: £250 - £1,000

Over: 4 - 12 Months

Representative example: If you borrow £1,000 over 12 months at a Representative rate of 43.1% APR and an annual interest rate of 0% (fixed), the first months instalments would be £83.35, followed by 5 monthly payments of £83.33, and 12 monthly membership payments of £10. The total charge for credit will be £120 and the total amount payable will be £1,120.

Are you eligible for Creditspring?

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Creditspring customer reviews.

4 reviews

1.0 out of 5 stars


  • Borrow two £250 advances over 12 months.
  • You have 4 months to pay back each advance.
  • You must be a Credit Spring member for 14 days before you can borrow your first £250.
  • Borrow your second advance only after you have repaid the first on time and in full.
  • Fees are £6 per month (£72 per year).
  • Interest rate of 0% fixed.

Minimum criteria

  • You must be 18 or over.
  • Membership is subject to affordability and credit checks when you apply.
  • You must have a UK bank account.
  • You must be in full-time employment and earning over £20,000/year.
  • No recent CCJ, IVAs or bankruptcies.


  • Maximum APR 43.1%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

Creditspring Customer Question & Answers

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About Creditspring

Creditspring Core is a no-interest-loan product from Inclusive Finance Limited offering £500 via 2 instalments of £250.

The cost of a Creditspring Core membership for a year is £72. Customers will pay this at a rate of £6/month, whether they borrow or not and there are no other fees or charges. Customers can borrow money from Creditspring after the end of a 14-day withdrawal period and then repay exactly what's been borrowed over four equal monthly instalments, along with the £6 monthly membership fee.

Once you have been accepted as a customer, your £500 credit is guaranteed. As long as your monthly fees are up to date, you can borrow money from Creditspring at a moment's notice. Creditspring Core lets you access a maximum of 2 advances of £250 per year. You don't have to borrow at all, and you can borrow just one if you need to. You have four months to pay back each advance, starting one month from the day you receive it.  

Company information

Registration number: 10522518


Studio 5.19, Grand Union Studios, 332 Ladbroke Grove, London, W10 5AD

FCA registration

Reference No: 786052

Trading names: Credit Spring

Place of business: Studio 5.19, Grand Union Studios, 332 Ladbroke Grove, London, W10 5AD

Data protection registration

Registration No: ZA252803

Data controller: Inclusive Finance Limited

Address: Studio 5.19, Grand Union Studios, 332 Ladbroke Grove, London, W10 5AD

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk