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Creditspring Plus

35 reviews

43.1% Representative

Will lend between: £500 - £1,000

Over: 6 - 12 Months

Representative example: Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed), Representative 43.1% APR. Total amount payable £1,120. Because of changes we’re making to the Plus product the APR will also change for the Core product.

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Are you eligible for Creditspring Plus?

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

35 reviews

3.1 out of 5 stars

Highlights

  • Borrow two £500 advances over 12 months.
  • You have 6 months to pay back each advance.
  • You must be a Credit Spring member for 14 days before you can borrow your first £500.
  • Borrow your second advance only after you have repaid the first on time and in full.
  • Fees are £10 per month (£120 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.

Fees

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

About Creditspring Plus

Creditspring Plus is a no-interest-loan product from Inclusive Finance Limited offering £500-£1,000 over 6-12 months in monthly instalments. 

The cost of a Creditspring Plus membership for a year is £96. Customers will pay this at rate of £10 per 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 6-12 monthly instalments (first payment slightly more, followed by equal monthly repayments until the loan has been repayed), along with the £10 monthly membership fee. 

Once you have been accepted as a customer, your credit is guaranteed. As long as your monthly fees are up to date, you can borrow money from Creditspring at a moment's notice.

Company information

Registration number: 10522518

www.creditspring.co.uk

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