Sites like Creditspring

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

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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 2008 Instalment loans Go to site
The Money Platform Short Term Loan The Money Platform 2016 Peer-to-peer instalment loans Check eligibility
SafetyNet Credit Facility SafetyNet Credit 2015 Line of credit Check eligibility
StepStone Credit Account StepStone Credit 2017 Line of credit More info
Tappily Tappily 2017 Line of credit Check eligibility

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 Link
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.
Savvy.co.uk Personal Loan
£300 to £3,000
Representative example: Borrow £1,000 for 12 months at a rate of 152.33% p.a. (fixed). Representative 352.7% APR and total payable £1,999.92 in 12 monthly payments of £166.66.
The Money Platform Short Term Loan
£250 to £1,000
Representative example: Borrow £500 for 6 weeks at a rate of 255.5% p.a. Representative APR 839.20% and total payable: £647 in 1 payment.
QuidMarket Short Term Loan
£300 to £1,500
Representative example: Borrow £300 for 3 months at a rate of 292% p.a. (fixed). Representative APR 1,301% and total payable: £454.37 in 3 instalments of £151.46.
CASH4UNOW Short Term Loan
£150 to £1,000
Representative example: Borrow £200 for 4 months at a rate of 292% p.a. (fixed). Representative APR 1314% and total payable: £332.00, in 4 payments of £83.00.
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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
Savvy.co.uk Personal Loan
The Money Platform Short Term Loan
QuidMarket Short Term Loan
CASH4UNOW Short Term 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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