A challenger in the UK credit market. We have combined the features of a neobank, e-money account and credit card. A new approach - credit at your fingertips. Our mission is to make the experience of getting a credit simple, fast and convenient without unnecessary bureaucracy. Therefore, we’ve developed an app that you’ll want to use every day thanks to simple credit conditions, smart features and cashless payments. All in one app. We look at eligibility for credit individually, and use Open Banking to make things easy - no need to send in bank statements or answer lots of questions to apply. Who is The Credit Thing for? Everyone! You want to build your credit history, You are new to credit, or new to the UK, You are bored of the same big banks, outdated application forms or just want something new, You value innovation, convenience and transparency. Rep 27.9% APR (variable) Credit subject to status, 18+. UK Residents Join the credit revolution!