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• Can I use Cred like a personal loan?

  Yes. When you apply for Cred as a personal loan, the full amount you have requested is paid directly into your bank account immediately upon approval. A fixed amount repayment schedule is set up at the outset, so you'll know exactly what you'll repay ...

• Can Cred change my interest rate?

  Yes, we can change your interest rate, but we’ll always give you at least 30 days’ written notice before doing so (if we’re reducing your rate, we may give shorter notice). We’d only make this kind of change for specific reasons — for example, to ...

• Will you carry out a credit search?

  As a responsible lender, Cred will always carry out a credit search. A credit search will be performed when you submit an application for a Cred account which will leave a “hard footprint” on your credit report. Checking your eligibility for Cred ...

• Who are Cred?

  Cred is a direct lender offering responsible credit directly to UK consumers. You can easily access our mobile app on the App Store or Google Play Store, or simply visit our website for quick access to download links Cred offers customers a flexible ...

• How much can I borrow?

  Cred offers credit limits between £1,000 and £10,000. The limit we offer you is determined following a creditworthiness and affordability assessment at the time of your application, which includes a credit search carried out by TransUnion. We will ...