Can’t get credit because you’ve never had credit?

Past financial problems spoiling future plans?

You could improve your valuable credit rating at no extra cost

If you’re struggling to get a credit card, loan or mortgage because of a poor credit history or because you haven’t built a credit history yet, Creditbuilder™† could help you.

How Creditbuilder works

First, get our Cashplus prepaid Gold MasterCard® card. This is a prepaid card that you top up with money before you use it to pay for things securely – online, over the phone and in stores. There are NO CREDIT CHECKS and YOU’RE GUARANTEED TO GET THIS CARD*.

Once your details are fully verified, you can apply for Creditbuilder in the Members’ Area by clicking on the Creditbuilder button.

Advanced Payment Solutions Limited lends you £119.40 to pay for one year's use of your Cashplus card - the money is only available for this purpose. You pay no interest, no administration fees and no extra charges! During the year, you can continue to top up and use your Cashplus card as normal. You just need to make sure that there is enough money in your account for the £9.95 loan repayment fee every month.

If all payments have been made on time, we report that you have successfully made 12 loan repayments to two Credit Reference Agencies, though we will also report any missing or late payments.

So the more successful loan repayments you’ve made, the better your credit rating should be. Your credit rating should be improved!

For more information, please visit our Creditbuilder website

Get your card

  • 100% acceptance guaranteed*
  • No credit checks
  • Enjoy a unique blend of bank account & MasterCard card benefits

Make payments and standing orders* – for free

Make up to 20 payments to pay your bills, such as gas, electricity and rent, all at no extra cost to you.

Cashplus prepaid card

*Subject to our Terms and Conditions including the applicant providing acceptable identification, being resident in the UK, aged 18 years or older if primary cardholder, or 13 years or older if additional cardholder. The Cashplus prepaid MasterCard is issued by APS Financial Ltd ("AFL") pursuant to license by MasterCard International Incorporated. AFL is authorised and regulated by the Financial Services Authority. (www.fsa.gov.uk/register/) Registered in England no. 06029941. Your card will be serviced by Advanced Payment Solutions Ltd ("APS"). APS operates the card on behalf of AFL. Registered in England no. 04947027. AFL & APS registered address is 6th Floor, One London Wall, London, EC2Y 5EB. Cashplus is a registered trademark of APS. MasterCard is a registered trademark of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd.
†Creditbuilder is provided by APS. APS's Consumer Credit Licence 0608377.