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
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Download Pockit app to get started
Download Pockit app1 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 Pathway and render this product inappropriate for you. If you miss your Premium subscription payment, SteadyPay may report it to the major credit agencies, which can have a negative impact on your credit file. Eligibility for personal credit is assessed after 3 months on the Premium plan, subject to affordability and a soft credit check.
New to the UK
Moved to the UK and want help to improve your credit history
Low credit score
You have a poor credit score and want help to improve it
No credit history
You have no credit history and want to help improve it
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 Pathway and render this product inappropriate for you. If you miss your Premium subscription payment, SteadyPay may report it to the major credit agencies, which can have a negative impact on your credit file. Eligibility for personal credit is assessed after 3 months on the Premium plan, subject to affordability and a soft credit check.
"My credit score is already getting better. I can feel better opportunities coming my way."
Nadia C. from London
Pockit customer since September 2023
"My score is starting to increase, showing that I am capable of paying off my monthly debt."
George D. from Dorset
Pockit customer since January 2024
"My credit score has increased massively. Really good experience so far!"
Jane K. from Liverpool
Pockit customer since February 2024
"Great pre-paid card with contactless facility, saved my day on more than one occasion! Had this card a few years now and my credit rating is at its highest! Thank you Pockit, my trusty pal."
Nicole B. from London
Pockit customer since September 2018
"It’s great! Helped me get my credit score back on track."
James T. from Birmingham
Pockit customer since April 2020
"Pockit is a fantastic way for low credit score individuals to boost their rating. I would recommend it to everyone.
Gareth A. from Oxford
Pockit customer since February 2021
"Easy and hassle free banking app and good customer service. I highly recommend Pockit as a banking alternative to high street banks or as a second bank, PLUS NO CREDIT CHECKS!"
Damon C. from London
Pockit customer since January 2020
"The app is brilliant and easy to use. It has never let me down and I would 100% recommend to anyone who is wanting to build up their credit score!"
Saimah P. from Bath
Pockit customer since October 2021
Sign up with only a soft credit check*
Sign up to activate Credit Pathway. The credit agencies need to see that you can make regular payments.
*Soft credit checks do not affect your credit score.
Make payments on time
To pay for your Premium subscription (£9.99 a month), you enter into a credit agreement with SteadyPay Limited. Each month, this credit agreement is reported to the main UK Credit Reference Agencies.1
Help improve your credit score
Your credit score can improve over time with the Premium plan. Sign up to start today.
Many factors can affect your credit score. For independent information visit moneyhelper.org.uk
Open your Pockit account in 3 minutes, upgrade to the Premium plan to help improve your credit.
Open accountRepresentative example: Personal Credit issued: £300. Interest charged: 0%. Subscription fee paid: £81. Repayment period for Personal Credit 90 days. 4 Personal Credit drawdowns per year. Total amount paid for all drawdowns: £1,524. Representative cost: 27%
* Subject to creditworthiness and affordability assessment. Credit is not guaranteed. Powered by SteadyPay. Credit Pathway might not be right for you; check the FAQs before you proceed.
1. What is the difference between Pockit Premium and Credit Pathway?
2. Who provides the lending products available on Pockit?
3. How can I help improve my credit score?
4. Where can I check my credit score?
5. Where are my Premium plan payments reported?
6. Can Credit Pathway still help if I already have other loans?
7. Is an increase to my credit score guaranteed?
8. What happens if I am late with my subscription payment?
9. What happens if I cancel or downgrade my Premium plan?
10. What is the Credit Pathway credit agreement?
11. What happens with my Pockit Premium payments?
1. When can I access my Personal Credit?
2. What is the amount I can borrow as Personal Credit?
3. How much does Personal Credit cost?
4. How do I repay the Personal Credit?
5. How can I increase the amount I can access as Personal Credit?
6. Can I access Personal Credit if I don't have a good credit score?
Open your Pockit account in 3 minutes, upgrade to the Premium plan to help improve your credit.
Open accountRated 4.1 ★ by 32,550+ reviews on App Store & Play Store
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