Skip to main content

Creditspring Membership Core - A Credit Card Alternative

Loading...
Balance Transfer offer duration
N/A
0% Purchase offer duration
N/A
Representative % APR (fixed)
77.3% APR
Transfer Fee
N/A

Representative Example

Tooltip

Based on borrowing £250 twice a year, so the total amount of credit is £500 over 12 months. The first payment for each advance is £41.70 followed by 5 monthly repayments of £41.66. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 77.3% APR. Total amount payable £596.

What's Good

Credit building - membership payments help improve your credit score, as well as successful repayments
No interest means you know exactly how much your borrowing will cost you
It’s easy to understand how much you owe at any point in time

What's Bad

You must still pay the monthly fee of £6, even if you don’t borrow
You have to be a member for 14 days before you can draw your first advance
You will not be issued a physical credit card- you access your credit by logging in and pressing ‘borrow’

Features

Pay a £8 monthly membership fee to access credit- no interest, fees or other charges
Borrow £250 twice a year, on demand, without interest
Credit building - membership payments help improve your credit score, as well as successful repayments
You will not be issued a physical credit card- you access your credit by logging in and pressing ‘borrow’

Eligibility

You must be over 18
You must earn over £25,000 a year
You must have had a permanent UK address for at least three months

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
Tooltip
n/a
Duration
Tooltip
n/a
Transfer Fee
Tooltip
n/a
Purchase OfferTooltip
Intro Rate
Tooltip
n/a
Duration
Tooltip
n/a
Annual Interest RatesTooltip
Balance Transfers
Tooltip
n/a
Purchases
Tooltip
0 %
Cash Withdrawals
Tooltip
n/a
Other Key Facts
Annual Fee
Tooltip
£96
Cash Advance Fees
Tooltip
n/a
Minimum Age
18 years
Minimum Income
£25,000
Overseas Transaction Fee
Tooltip
0 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Coronavirus help and support

You can find more information about coronavirus help and support here.

TotallyMoney Logo

We're on a mission to improve the UK's credit score and help people move on up to a better future.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

We use cookies as described in our Cookie Policy. Continue browsing or click to accept.