Inclusive Finance Limited

Inclusive Finance Limited operates the Creditspring service, which is a UK consumer credit product designed as an alternative to payday loans and short-term high-cost credit. Creditspring offers a subscription-based loan model aimed at helping people manage financial uncertainty without resorting to expensive short-term borrowing.

The Creditspring model works differently from a traditional loan. Members pay a fixed monthly subscription fee and, in return, can access a certain amount of credit each year. The credit is repayable in monthly instalments. The total cost of credit is the subscription fee rather than an interest rate, which is designed to make the product more transparent and predictable.

Creditspring positions itself as a responsible alternative for people who need a financial safety net. It is aimed at people who may not have access to an overdraft or credit card from a mainstream bank and who want to avoid the high cost of payday loans.

If you have a Creditspring account and need to contact them, details are available on their website at creditspring.co.uk. Inclusive Finance Limited is authorised and regulated by the Financial Conduct Authority.

If you are struggling with Creditspring repayments, contact their customer team. Free debt advice is also available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.