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.
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!
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.
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!
What’s a credit score vs credit history?
How can I access Credit Builder?
How Credit Builder works
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Start building your credit score today
Download our app to get started on your credit journey in the UK. Make the first move towards a better financial future today.
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)