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Creditspring Membership Core - A Credit Card Alternative

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Balance Transfer offer duration
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0% Purchase offer duration
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Representative % APR (fixed)
83.1% APR
Transfer Fee
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Representative Example

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Total amount of credit £600 repayable over 13 months. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative APR 83.1%. The first repayment for each advance is £50 due 45 days after drawing, followed by 5 monthly repayments of £50. Total amount payable £720.

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 £10, 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 £10 monthly membership fee to access credit- no interest, fees or other charges
Borrow £300 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

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Other Key Facts
Annual Fee
tooltip£120
Cash Advance Fees
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Minimum Age
18 years
Minimum Income
£25,000
Overseas Transaction Fee
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What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

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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.

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