{"id":136750,"date":"2018-10-05T21:35:45","date_gmt":"2018-10-05T20:35:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=136750"},"modified":"2026-02-19T03:29:54","modified_gmt":"2026-02-19T03:29:54","slug":"creditspring","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/personal-loans\/creditspring","title":{"rendered":"Creditspring loans review 2026"},"content":{"rendered":"

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

Late repayments can cause you serious money problems. See our debt help<\/a> guides.<\/p><\/div><\/article>

What is Creditspring?<\/h3>

Creditspring is a subscription service offering interest-free loans. Instead of paying interest on money borrowed, customers pay a fixed membership fees of either \u00a37, \u00a310, \u00a314 or \u00a326 a month based on their subscription \u2013 a bit like an insurance policy.<\/p><\/div><\/div><\/div>

How does Creditspring work?<\/h3>

Creditspring lets you borrow a set amount twice per year. You\u2019ll have 6 months to pay back each advance, starting one month from the day you receive it. This means if you borrowed \u00a31,200 today, Creditspring would collect \u00a3200 45 days later and then \u00a3200 for the next 5 months. You don\u2019t pay interest, but you do pay a monthly fee.<\/p>

You can take out your second advance as soon as the first one is repaid in full and on time. Members have access to 2 advances per year.<\/p>

Creditspring is limited to those with an annual income of at least \u00a314,000 p.a.. After becoming a member there is a 14 wait period before you can draw your first advance. You\u2019ll also be subject to credit and affordability checks.<\/p><\/div><\/div><\/div>

How much can I borrow with Creditspring?<\/h3>

Creditspring offers four levels of membership: <\/p>

Creditspring Step<\/h4>

With Creditspring Step (the \u201cstepping stone\u201d product to Core), you\u2019ll be able to take out 2 loans of \u00a3200 per year<\/strong>, and pay it off each time over 6 monthly payments.<\/p>

Creditspring Core<\/h4>

With Creditspring Core, you\u2019ll be able to take out 2 loans of \u00a3300 per year<\/strong>, and pay it off each time over 6 monthly payments.<\/p>

Creditspring Plus<\/h4>

With Creditspring Plus, you\u2019ll be able to take out 2 loans of \u00a3500 per year<\/strong>, and pay it off each time over 6 monthly payments. <\/p>

Creditspring Extra<\/h4>

With Creditspring Plus, you\u2019ll be able to take out 2 loans of \u00a31,200 per year<\/strong>, and pay it off each time over 6 monthly payments. <\/p><\/div><\/div><\/div>

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<\/use><\/svg>Updated\n\t\t\t\t\tregularly<\/span><\/a><\/span><\/div><\/div><\/div>
<\/div>
\n Monthly fee\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Loan amounts\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Loan terms\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th>\n Representative APR\n <\/use><\/svg><\/use><\/svg><\/use><\/svg><\/th><\/tr><\/thead>\"Creditspring<\/a>
<\/div>
Creditspring Extra<\/a><\/span>
Finder Award<\/span><\/span><\/div><\/div><\/td>
\n \u00a326\n <\/div><\/td>
\n \u00a31,200\n <\/div><\/td>
\n 6 months\n <\/div><\/td>
\n 48.1%\n <\/div><\/td>
\n Representative example: Total amount of credit \u00a32,400 repayable. 12 monthly membership fees of \u00a326. Rate of interest 0% p.a. (fixed). Total cost of credit: \u00a3312. Total amount payable: \u00a32,712. Monthly loan payment: \u00a3200. Representative 48.1% APR.\n <\/div><\/td>