Also known as: Creditspring
Inclusive Finance Limited, trading as Creditspring, is an FCA-authorised lender offering a novel subscription-based consumer credit model. Instead of charging interest, Creditspring charges members a fixed monthly fee that enables access to two interest-free loan advances per year. The model is designed for consumers with thin credit files or who have been declined by mainstream lenders. Creditspring raised £48 million Series A in May 2022. Warning: 'creditspring loans' clone firm warnings have been issued by FCA — consumers should verify via FCA register.
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Subscription-based consumer loans; members pay fixed monthly membership fee (£7, £10, £14, or £26/month depending on tier) in lieu of interest; two interest-free loan advances per year; loans of £250-£1,000 (entry tiers) to higher amounts at premium tiers; targets underserved credit market
Trading names and group notes
FCA has issued warnings about clone firms impersonating Creditspring. The legitimate entity is Inclusive Finance Limited (FRN 786052). Company is a Fintech innovator and member of Innovate Finance.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.8
Approx. 26,477 (as of May 2026) reviews
Other review and social proof
Smart Money People Creditspring rating: 4.36 stars from 21 reviews; 92% of Trustpilot reviews are 5-star; Creditspring outperforms industry on complaints, satisfaction, and trust (Financial IT/FF News reports); £48m Series A raised May 2022; Innovate Finance member
Overall public sentiment
Highly positive — 4.8 Trustpilot rating from approximately 26,477 reviews with 92% five-star. Customers praise the transparency of the subscription model, ease of access, and value for those rebuilding credit. Creditspring regularly cited as outperforming industry benchmarks on customer satisfaction.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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