Build your credit score with Monese Credit Builder

No credit check or credit card required. Start building your financial future today.

Improve your credit history for just £2.50 a month (Rep APR 9.10%)*

Build your credit history hassle and interest-free, with no credit checks or the need to apply for a high-interest credit card, with the Monese Credit Builder, available on all plans for customers in the UK.

*Representative APR: The loan, as a part of the Credit Builder service is a 0% interest loan, but in financial jargon the £2.50/month subscription fee relates to a 9.10% APR as that is the cost of your Credit Builder. This is based on a loan amount of £600.

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Build your savings along with your credit history

The way our Credit Builder is set up, you’ll be saving while building your credit history all at the same time. After a year of monthly repayments on your interest-free Credit Builder loan, you’ll have 12 months of successful repayment history recorded with the credit agencies, plus 12 months of savings ready to spend!

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Improve your record where it counts

With our Credit Builder, you can rest easy knowing that your monthly repayments are reported to all three of the UK’s main credit agencies: Experian, Equifax and TransUnion, where you’ll start seeing a difference in your credit score.

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Boost your budget by up to £300

With Monese Boost, you can choose past card transactions up to £300 to pay back in monthly instalments. This feature unlocks after your 4th Credit Builder payment, and helps grow your credit score even more quickly!

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  • What’s a credit score vs credit history?

  • How can I access Credit Builder?

  • How Credit Builder works

  • How much can I borrow on Credit Builder?

  • What happens if I miss a Credit Builder repayment?

This service is arranged by Monese Finance Ltd. Monese Finance Ltd is a broker and not a lender, and is an appointed representative of Resolution Compliance Limited which is authorised and regulated by the Financial Conduct Authority (FRN:574048). The credit builder loan is provided by Monese Credit Limited which is authorised and regulated by the Financial Conduct Authority (FRN:787052)