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Grow your credit score with Monese Credit Builder

Start building your financial future today.

The benefits

  1. 1

    Want to buy a house? A car? Get a credit card? You’ll need a great credit score.

  2. 2

    Don’t have a good score or much credit history? Credit Builder is the way to grow it!

  3. 3

    Set up 12 monthly payments and choose how much to pay each month*.

  4. 4

    When you pay on time each month, we’ll tell the Credit Agencies.

  5. 5

    The Credit Agencies will see how reliable you are and increase your credit score.

  6. 6

    Choose to get all 12 payments back at the end – and get to keep your amazing new credit score!

Missed payments could negatively impact your credit score

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

Build your credit history hassle and interest-free, without 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

All UK lenders get information on you from one of these 3 Credit Agencies: Experian, Equifax and TransUnion. We report your monthly repayments to all 3, so you’re covered on all fronts!

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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 later. It’s another great way to show how reliable you are and boost your score even further!

Your Monese Boost limit is underwritten alongside your Credit Builder. As soon as you make your 4th Credit Builder payment, your Monese Boost limit unlocks and helps grow your credit score even more quickly!

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How Monese Boost works

  • Step 2

    Make a payment

    Pay for something with your Monese card (upto your Monese Boost limit)

  • Step 2 (1)

    Boost it

    Choose to reverse the transaction within 14 days using Monese Boost

  • How it works 3

    Get it back

    Get that money back in your account straight away!

  • Step 3

    Choose how to repay

    Pay the amount back in 3, 6 or 12 monthly instalments*

*29.9% APR representative variable

Representative Example: Based on a credit limit of £150, the total amount payable if you spend your limit of £150 immediately and repay the amount over 12 monthly instalments is £175.40


  • 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)