Who are 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 credit account, allowing customers to manage and control their borrowing all from one app. Cred do not charge customers fees. Cred charges for borrowing money with simple and easy to understand interest rates, keeping it as straightforward as possible.  

One app, One account, One interest rate - multiple ways to use credit. 


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    • Is Cred regulated?

      Yes. Cred Originations Limited is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 688840. Your credit agreement is covered by the Consumer Credit Act 1974, which gives you important rights, including a ...

    • 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 ...

    • What happens if I take out Cred flexible credit and change my mind after?

      You have 14 days from the day after you receive confirmation of your initial credit limit to tell the Cred team that you want to withdraw from the agreement. Confirmation of the initial credit limit will be emailed to you when your application has ...

    • 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 Cred ever charge me extra fees?

      There’s no fee for opening your account, setting up an instalment plan, or repaying early. If you miss payments and we need to take enforcement action to recover what’s owed, we may charge reasonable costs such as court costs, tracing costs or ...