3047 reviews

Representative 49.7% APR

Will lend between: £500 - £2,500

Over: 1 - 12 Months

Representative example: Representative example: Amount of credit: £1,200. Interest rate: 0.34% per day for up to 75 days (25.5% (variable) per annum). Representative 49.7% APR (variable). For example, if you borrow £150 for four days, the interest per day would be £0.51 and the total interest would be £2.04 representing four days at £0.51 per day

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Representative 49.7% APR.

Tappily customer reviews.

3047 reviews

4.7 out of 5 stars

Our review of Tappily

From the team behind the well-known SafetyNet brand comes Tappily. Tappily is very similar to SafetyNet, in the fact that opposed to a traditional loan, Tappily provides a certain amount of credit which you can use at any time. The key difference with Tappily is an increased credit limit and a lower Representative APR. This makes Tappily an attractive proposition if you were previously considering SafetyNet. However, approval is not guaranteed and will be subject to checks of your credit history and current account activity. 

Like SaftyNet, it's worth noting that in order to setup Tappily you will be required to allow read-only access to your internet banking, this is completed through Open Banking technology. Open banking is completely safe and uses bank-level security.

Borrowing money is all managed through the Tappily dashboard, and providing you have available credit you can transfer money to your current account instantly, at anytime. You can also set up an auto-borrowing protection level, so rather than falling into your overdraft you can instruct Tappily to top up your account when it reaches a certain level.

When it comes to making repayments, these are made automatically but you are also free to make them manually whenever you please. Once Tappily sees at least £50 enter your account Tappily will review your account balance. If this is above a pre-agreed level then Tappily will take a repayment. You can limit the maximum size of repayments through the auto-repayments section in your Tappily dashboard. The auto-repayment function of Tappily means you only make repayments you can afford, when you can afford it. 

Another advantage of Tappily is the money management tools made available in the Tappily dashboard. These allow you to review and track your spending, providing an understanding of how and where your money is going. 

Overall verdict: If you are finding you are regularly sneaking into the red each month then a credit line, like Tappily, may provide a more affordable and flexible solution, as opposed to the regular use of overdrafts or short-term loans. The tech built into Tappily makes it easy to use and manage, allowing you to stay in control, borrowing just what you need, for no longer than you need it. This is all seemingly backed up the efficient and friendly customer service, regularly mentioned on reputable review platforms such as Trustpilot.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • Revolving line of credit up to £2,500
  • Interest rate of £0.34 per day for every £100 borrowed
  • Tappily only charges interest for the days you borrow the money
  • Customers can make a repayment at any time
  • Automatic and manual repayment options

Minimum criteria

  • Be a UK resident aged 18 or over
  • Have a current account with Internet Banking
  • Have a salary or other regular income demonstrating you can afford the repayments


  • Maximum APR 49.7%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

Tappily Customer Question & Answers

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About Tappily

Tappily, a trading name of Indigo Michael Ltd, offers you a credit limit up to £2,500 available to borrow as and when you need it (subject to affordability checks). Once approved, you can transfer money into your account within 15 minutes. Tappily loans operate as a revolving line of credit with straightforward repayment terms and a Representative 49.7% APR (variable). If you borrow money on your Tappily account you will be charged 0.34% interest per day. This equates to £0.34 per day for every £100 borrowed. There are no other fees or charges. Tappily’s money management tools are supplied completely free of charge. 

If you have been refused credit elsewhere, Tappily may be able to help. Consumers with a less than perfect credit history are eligible to apply for a Tappily facility.

Company information

Registration number: 7721420



Indigo Michael Ltd, 10 Brick Street, Mayfair, London W1J 7HQ

FCA registration

Reference No: 715525

Trading names: Indigo Michael Ltd, SafetyNet Credit, Tappily

Place of business: Account Technologies, Windsor Court, Frederick Place, Loudwater, HP11 1JU

Data protection registration

Registration No: Z2878281

Data controller: Indigo Michael Ltd

Address: Account Technologies, Windsor Court, Frederick Place, Loudwater, HP11 1JU

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