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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    • 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 ...

    • 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 ...

    • How do I raise a complaint?

      To look at our complaints policy please click here. This will take you to our complaints page where you can tell us how you think we can improve. You can make a complaint in several ways. Raise complaint directly with us via raising a service ticket ...