Think Money Current Account Plus

578 reviews

1077.4% Representative

Will lend between: £100 - £400

Over: 1 - 30 Days

Representative example: If you borrow £400 over 17 days at a Representative rate of 1077.4% APR and an annual interest rate of 273.75% (fixed), you would pay 1 instalments of £451.00. The total charge for credit will be £51.00 and the total amount payable will be £451.00.

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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Think Money Current Account Plus customer reviews.

578 reviews

3.9 out of 5 stars

Our review of Think Money Current Account Plus

Think Money is a lender based in Manchester who created the Think Money managed current accounts as well as loans. The account was created to help users manage their finances and over 10 years, has hit 100,000 account holders. 

Once you've opened an account, paid in your income and waited three months, you can get a credit facility for up to £400 for up to 30 days. Your account can be accessed and controlled online and you can pay in money at over 11,000 Post Office Branches. There are no hidden fees or charges and you'll have access to UK-based money managers, helping you to keep on top of your outgoings to help improve your credit score. 

However, the current account does charge £10 for single use and £15 for joint bank accounts per month, which can be fairly pricey but if you haven't been accepted for mainstream bank accounts, this could be a good option to get you started. If you do apply for the Current Account Plus credit facility, this is a short-term loan option so naturally, the representative APR is fairly high at 1077.4%. However, you cannot be charged more than 0.8% a day. 

The usual warnings for short-term loans apply and they should only be used in emergencies. If you're unsure you'll be able to make the monthly repayments then you may want to consider other alternatives. Think Money has very mixed reviews, mainly issues with contacting customer service and having to wait a while but this may have been sorted as more recent reviews compliment the fast service and application process. 

Overall verdict: If you struggle with managing your finances, want to improve your credit score and may sometimes need the safety net of a credit facility, then Think Money could be for you. However, there are loans out there that at a much cheaper rate so make sure you compare your options. 

Written by: Mark


  • Competitive rates
  • As you will have to have a current account with Think Money they will fairly assess your borrowing capacity

Minimum criteria

  • You must have a Think Money current account for at least 3 months
  • You must be aged 18 years or older
  • You must be a UK resident


  • Maximum APR 1077.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Think Money Current Account Plus

After 3 months of banking with Think Money, you may be eligible for one of their two loan products, the Think Money Flexi Loan or Current Account Plus.

Think Money Current Account Plus is a short term loan between 1 and 30 days for loans amounts of £100-£400 for Think Money Current Account holders at 1077.4%. You will have had to pay in your income to be eligible to apply for the loan. 

Company information

Registration number: 05530040

0161 672 8910

Think Park Mosley Road Trafford Park Manchester M17 1FQ

FCA registration

Reference No: 685963

Trading names: Think Money (UK) Ltd

Place of business: Think Park Mosley Road Trafford Park Manchester M17 1FQ

Data protection registration

Registration No: Z9722822

Data controller: Think Money Limited

Address: Think Park Mosley Road Trafford Park Manchester M17 1FQ

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