Sites like Creditspring

Creditspring is one of a handful of loan companies taking a fresh approach to high-cost, short term credit.

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Designed as an alternative to traditional, payday-style loans, Creditspring offers you 2 interest-free loans per year, in return for a monthly subscription fee. Right now it’s pretty unique in doing this, however other loan companies are shaking up the short term loans market with innovative services and fast, flexible borrowing options.

Our tool at the end of this page, allows you to compare the cost of short term loans from multiple lenders. Alternatively, here are some other loan companies like Creditspring – some of which offer a “line of credit” and some of which offer more traditional loans:

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

Online lenders like Creditspring

NameEstablishedLoan types
Creditspring Membership Creditspring Membership 2018 Instalment loans through membership scheme Go to site
Lending Stream Instalment Loan Lending Stream Instalment Loan 2008 Instalment loans Go to site
SafetyNet Credit Facility SafetyNet Credit Facility 2015 Line of credit Go to site
StepStone Credit Account StepStone Credit Account 2017 Line of credit More info
Sunny Loan Sunny Loan 2013 Instalment loans Go to site
Tappily Tappily 2017 Line of credit Go to site
The Money Platform Short Term Loan The Money Platform Short Term Loan 2016 Peer-to-peer instalment loans Go to site

Compare the cost of payday lenders

Table: promoted deals, sorted by total payable
As well as comparing short-term loans with other types of credit, before you apply for a loan it’s a good idea to shop around and compare a range of lenders. You can use the table below to get an idea of how much the loan that you have in mind might cost.

How much do you need to borrow?


How long do you need to borrow for?


Name Product Available Amounts Monthly repayment Total payable
Lending Stream Instalment Loan
£50 to £1,500
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.
Moneyboat Short Term Loan
£200 to £1,500
Representative example: Borrow £400 for 4 months at a rate of 255.5% p.a. (fixed). Representative APR 939.5% and total payable: £597.48 in 4 payments of £149.37.
QuidMarket Short Term Loan
£200 to £1,000
Representative example: Borrow £500 for 5 months at a rate of 292% p.a. (fixed). Representative APR 1,297% and total payable: £867.05 in 5 instalments of £173.41.
Satsuma Short Term Loan
£100 to £1,000
Representative example: Borrow £480 for 9 months at a rate of 133.1% p.a. (fixed). Representative 535% APR and total payable £959.04 in 9 monthly payments of £106.56.
Sunny Loan
£100 to £2,500
Representative example: Borrow £100 for 8 months at a rate of 204% p.a. (fixed). Representative APR 567% and total payable £199.33 in 8 monthly payments of £19.93. You can repay this loan early.

Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

We compare payday/short-term loans from

Lending Stream Instalment Loan
Moneyboat Short Term Loan
QuidMarket Short Term Loan
Satsuma Short Term Loan
Sunny Loan

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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