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 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.
"No issues since opening my account—super easy to use! Fast Track to Credit was approved after 3 payments of £9.99. I get my salary one day early, great customer service, and love the weekly prize draws. Fingers crossed, haha!"
Andrew A. from Bristol
Pockit customer since Feb 2023
"I have recently upgraded to the Fast Track to Credit plan. I had credit problems in the past and being able to access this has been very helpful. Pockit went above and beyond for me, thank you!"
David S. from London
Pockit customer since May 2022
"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 no hard credit checks
Sign up to activate Credit Pathway. The credit agencies need to see that you can make regular payments.
Make payments on time
Your Premium plan payments of £9.99 are reported each month 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.
Open your Pockit account in 3 minutes, upgrade to the Premium plan to help improve your credit.
Open account* Terms apply. Powered by SteadyPay. Credit Pathway might not be right for you; check the FAQs before you proceed.
Representative 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%
1. How can I build my credit score?
2. Where can I check my credit score?
3. Where are my Premium plan payments reported?
4. Can Credit Pathway still help if I already have other loans?
5. Is an increase to my credit score guaranteed?
6. What happens if I am late with my subscription payment?
7. What happens if I downgrade from my Premium plan?
1. When can I access my personal credit?
2. What is the amount I can borrow as personal credit?
3. Is personal credit really interest-free?
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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