Monday-Friday 12PM to 4PM 020 3695 7544

Responsible lending

We take responsible lending seriously and are regulated by the Financial Conduct Authority. Our internal policies and standards ensure we abide by the rules and regulations set by the FCA.

Our loans are intended for short-term use only and are not suitable for long term borrowing. We take a meticulous approach in assessing each loan application and reserve the right to decline any application irrespective of any previous history you may have had with our company.

Please consider carefully before applying for any form of credit. We have made every effort to make our service transparent: we do not have any hidden fees, all of the information and costs are available on our website so that you can decide whether our service is suitable for you. Please see our documents section.

We will consider customers who are:

  • at least 21 years old
  • employed
  • UK residents
  • able to repay the loan on the agreed date

Before applying, please think carefully:

  • Do you meet our requirements?
  • Will you be able to pay back the loan and interest in full on the due date?
  • Will you use the loan to satisfy short-term needs and not use it as a long term remedy?
  • Do you have a good credit rating and are not in financial difficulties?
  • Have you read the pre-contract information available on our website?
  • If the answer to any of the above questions is no, please do not apply.
Apply

We offer our services to customers who are at least 21 years of age, who are employed, pass our credit and fraud checks and who we believe have the means to repay their commitments on time. All applications are verified with credit reference agencies.

During the reviewing process of an application, we look at details provided by the customer and perform credit checks via credit reference agencies. These credit checks help determine the affordability of a loan that a customer is applying for. The purpose of this, is to minimise the chances of a customer getting into difficulty when having to make repayments on the loan.

We understand that sometimes circumstances can change. If you are having problems paying back a loan, please contact us immediately! Our kind and friendly team will work with you on finding a mutually beneficial solution.

If you are experiencing financial difficulties, please seek free debt advice from Moneyhelper, Payplan , StepChange, National Debtline or Citizens Advice Bureau.

Current charges are capped at 0.80% interest per day and the total cost cap is 100%. We do not apply any default or late payment fees.

Please see the How it works page and FAQ section where you can find answers to many questions regarding our service.

Creditstar is a member of the Consumer Credit Trade Association (CCTA) and we abide by the Code of Practice.

Apply

Who we are...


A leading consumer finance company

Creditstar is a financial technology company that offers flexible consumer loans to private persons. Since being established in 2006, our goal has been to make borrowing simple and easily accessible for everyone. Currently, we operate already in 8 countries across Europe and have over 1 million registered users.

Innovative and technology-oriented

At Creditstar, we’re always striving to provide our clients with the best customer experience. To achieve that, we use technology, data analysis and automated processes. We take the time to get to know our clients and continuously improve our products to meet our customers’ needs and expectations.

Apply

Monday-Friday 12PM to 4PM

020 3695 7544
[email protected]
Mappin House, Oxford Street, London, Greater London, W1W 8HF, United Kingdom
© 2024 Creditstar UK Limited
Creditstar UK Limited registered in England and Wales under company number 07085760 and with registered office at Mappin House, Oxford Street, London, United Kingdom W1W 8HF.

Authorised and regulated by the Financial Conduct Authority under registration number 675392. Information Commissioner’s Office Registration No. ZA098223 in compliance with the Data Protection Act 2018.
Representative Example: Amount of credit £900 over 12 months. Interest £398.81. Interest rate 73% pa (fixed), 0.2% per day of the amount borrowed. Repay with 12 equal instalments of £108.23. Total amount payable £1298.81. Representative APR: 100.96%.