✓ No hard credit checks • ✓ Cancel anytime • ✓ Missed subscription payments are not reported
100% chance of approval
for Pockit Credit Builder
Sign up in 3 minutes
Cancel anytime, no hard credit checks
Improve your credit score
With all three credit bureaus1
2.5% Cashback
on the first £100 spent each month
Purchase Protection
up to £1,000 cover
Get up to 15% discount
on purchases with gift cards
1 Improvements to your credit score are not guaranteed. Terms apply. Any major adverse credit history markers, including CCJs, IVAs or bankruptcy may limit the benefits of the Pockit Credit Builder.
Use your Pockit card
Activate your Fast Track to Credit plan and pay online and in-store with your Pockit card.
Make payments on time
The Fast Track to Credit plan payments of £9.99 are reported each month to the main UK Credit Reference Agencies.
Build your credit score
Your credit score is built every month with the Pockit Fast Track to Credit plan. Sign up to start today.
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Safe & Secure
Pockit uses secure infrastructure to protect your data and keep your account safe.
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Card controls: lock, unlock
Manage your Pockit card in the app and stay safe with 24/7 protection against fraud.
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Anytime, anywhere support
If you need help, reach out to our support team in app, email or visit Help Centre.
Sign up for a Pockit account before 1st of April, spend £500 on your Pockit card or Direct Debits to get £5 back.
New customers only; exclusions apply
1. How can I build my credit score?
Sign up for the Fast Track to Credit plan. All plan payments are shared with all three Credit Agencies from the UK, building your credit score over time.
Responsible use of credit products alongside timely payments of instalments will positively affect your credit score.
2. Where can I check my credit score?
Free services for checking your credit score include:
Other free and paid services are available.
3. Where are my Fast Track to Credit payments reported?
All your Fast Track to Credit subscription payments are reported to the three credit agencies from the UK: Experian, TransUnion and Equifax.
4. Can credit builder still help if I already have other loans?
Yes, it can still help build your credit score.
Multiple variables contribute to your credit score and missing payments on other loans may have a negative impact.
Best results can be obtained if you use credit products responsibly and boost your credit score by using a credit builder product.
5. Is an increase to my credit score guaranteed?
Multiple variables contribute to your credit score and missing payments on other loans may have a negative impact. Improvements to your credit score cannot be guaranteed.
Best results can be obtained if you use credit products responsibly, make your payments on time and build your credit score by using a credit builder product.
The Fast Track to Credit plan provides you with a set of features and benefits alongside credit builder, and unsatisfactory credit score improvements do not qualify for a refund.
6. What happens if I am late with my subscription payment?
You can still pay the subscription within the grace period of 10 days after a missed payment. After the grace period ends and if the payment has not been processed, you will automatically be downgraded to Pockit Everyday.
Your missed payment will not be reported to the Credit Reference Agencies, however your credit builder product will no longer be active.
7. What happens if I downgrade from my Fast Track to Credit plan?
You will no longer benefit from the credit building service if you downgrade from the Fast Track to Credit plan.
1. When can I access my personal credit?
You can access your personal credit after 3 months from signing up for the Fast Track to Credit plan.
2. What is the amount I can borrow as personal credit?
An eligibility check will determine the amount available for you to borrow, anywhere between £30 and £500, based on your affordability.
3. Is personal credit really interest-free?
Yes, you pay 0% interest. Your Fast Track to Credit plan must remain active while you use your personal credit and whilst there is no interest on the credit, there is a fixed fee relative to the amount borrowed.
4. How do I repay the personal credit?
You can repay in 3 equal monthly instalments after you access the personal credit.
5. How can I increase the amount I can access as personal credit?
Using your Pockit card regularly with the Fast Track to Credit plan and timely repayments of outstanding credit will increase over time the amount of personal credit you can access.
6. Can I access personal credit if I don't have a good credit score?
You don't need to have a good credit score to be eligible for Personal Credit. A soft credit check may be conducted to check your eligibility which does not affect your credit score.
If you have any major credit issues like CCJs, IVAs, or bankruptcy, this product won't be available for you right now.
1. What is Purchase Protection?
Purchase protection insurance protects you from financial losses in the unfortunate event of theft or accidental damage of eligible purchases.
Eligible items
Scope of coverage
Theft and accidental damage, broken screens for mobile phones are excluded.
Limit of coverage
Up to £1,000 maximum for eligible items
Conditions of coverage
Eligible items are covered for 365 days after the date of purchase, with a 5% depreciation each month thereafter. One claim limit per eligible item applies. A refund will be provided if the mobile phone is beyond repair.
2. What is Refund Protection?
Refund protection insurance protects you from financial losses if you are unable to use or return an eligible purchase.
Eligible items
Items valued over £50 and up to £1,000.
Scope of coverage
Limit of coverage
Up to £1,000 maximum for all kind of eligible items, including mobile phones
Conditions of coverage
The coverage within the 90 days of purchase includes the item’s purchase price or £300, whichever is less. Refund Protection allows up to a maximum of £600 to be claimed in any 12-month period. Shipping costs of up to £50 are covered.
3. What is Ticket Cancellation insurance?
Ticket cancellation insurance helps you reimburse the cost of unused tickets if you are unable to attend an event due to a covered reason.
Eligible items
All planned occasions which occur at a venue in the UK and Europe where tickets are sold in advance. Events include but are not limited to cultural, sports and leisure events, shows and amusement parks.
Scope of coverage
Reasons for ticket cancelation:
Limit of coverage
From £50 to £1,500 maximum
Conditions of coverage
For a 12 month period
4. What is Extended Warranty?
Extended warranty protects you from the cost of repairs or replacement if the product breaks down after the manufacturer's warranty expires.
Eligible items
White and brown goods with a previous retailer warranty (large and small electronic appliances) purchased as new.
Scope of coverage
Labour cost resulting from mechanical breakdown or failure of an eligible Insured Item, where such parts and/or labour cost were specifically covered under the terms of the Original Manufacturer’s Warranty and are limited to the repair or replacement cost of the Eligible Insured item.
Limit of coverage
The indemnity cannot exceed the purchase price
Conditions of coverage
One claim by eligible item for up to 12 months
5. Where can I find the insurance policy documents?
Please refer to the Insurance Product Information Document and the Policy Wording for coverage details and relevant restrictions.
6. How much does this insurance cost?
The cost of the purchase protection insurance is included within the Fast Track to Credit plan.
7. Are there any restrictions or exclusions?
Some restrictions apply, such as:
Please refer to the Insurance Product Information Document and the Policy Wording for coverage details and relevant restrictions.
8. How do I make a claim?
To make a claim please visit https://jove.co/claims/pockit, where you will be asked to detail the loss you have suffered and supply information such as receipts, doctors notes, picture evidence. Our claims handlers are Van Amayde, who will be able to assist once the claim has been submitted through the above link.
9. Who is the insurer?
This insurance is provided by Wakam and is administered by Jove Technology Ltd, issued by Pockit Limited via the Pockit Fast Track to Credit plan.
Wakam is a Non life insurance company approved by the Autorité de Contrôle Prudentiel etde Résolution (ACPR), 4 Place de Budapest, CS 92459, 75436 PARIS CEDEX 09, under number 402059. FCA Reference number 517214.
Pockit Limited (FRN 551245) is an Authorised Representative of Jove Technology Limited (FRN 977188). Pockit Limited is permitted to assist with the administration of insurance products on behalf of Jove Technology Limited.