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I’m self-employed and have CCJs
CCJs didn't stop me being accepted for creditbuilder
I’ve never been in debt before, but I still can’t get credit!
creditbuilder's helping to build my credit history
I've missed payments on my credit cards
There was no credit check for creditbuilder
I’m new to the UK and I don't have a bank account
creditbuilder could help me get a full service bank account

creditbuilder
could improve
your credit rating

creditbuilder with the cashplus card

If you’re one of the millions of people in the UK who are struggling to get a credit card, loan or mortgage because of a poor credit history, or because you haven’t had a chance to build one yet, here’s some great news:

creditbuilder may be the perfect way to enhance your credit rating while using your cashplus card.

  • No credit check
  • No bank account needed
  • No interest
  • No administration fees      
  • No extra charges.

"How does creditbuilder work?"

Our low-risk solution to a poor credit history comes in two parts:

Part one is a cashplus card. This has many of the useful benefits that a credit card can provide, but it won’t get you into debt. That’s because, like a pay as you go phone, you put your money onto your account before you can use it.

Use a cashplus card wherever you see the MasterCard acceptance mark, but only spend what you've topped up.

The second part is a unique feature that you can add to the card at no extra cost, called creditbuilder.

creditbuilder is designed to help you get a better credit rating by giving you a small, interest-free loan that pays the 12 monthly fees that you would pay for a year’s use of the cashplus card

creditbuilder works like this:

  • APS will lend you a full year’s worth of monthly fees in advance, completely free of interest
  • The loan is paid directly to AFL, so no money changes hands and it's never available to spend
  • You repay the loan by making 12 monthly payments which we transfer directly from your card account to repay your loan
  • APS report your payment history to the Credit Reference Agencies.

If you make all your payments on time you’ll have proved that you can manage credit responsibly, so your credit rating should improve.

creditbuilder helps you in three ways:


Lenders may like to see that you've successfully repaid debts in the past before they'll give you credit. If you’re new to the UK, or you’re only 18, or you’ve never had credit before, you may suffer from a “thin credit file.”

creditbuilder is a great way to add information to your credit profile, so you could start building a credit history. This helps to show lenders that you’re a reliable, creditworthy customer.


If you’ve been refused credit or find that you’re only offered credit cards with a high APR, you may be suffering from a low credit rating.

The more loans you’ve successfully repaid, the better your credit rating is likely to be. creditbuilder is a low-risk, low-cost way of adding a loan repayment to your credit history to raise your credit score. This should improve your chances of being approved for credit in the future.


If you’ve missed payments for credit cards, not paid back a loan or you have County Court Judgments, you may have a bad credit history. Lenders could see you as a bad risk and refuse to give you credit.

The best way to improve your credit history is to have some successful loan repayments on your profile, which improve your credit score. creditbuilder can help you do just that.

What’s the catch?

There is no catch.

It works exactly as we’ve described it, and you don’t pay a penny more with creditbuilder than you would with a normal cashplus activeplus account.

As long as you carry out the steps we’ve shown you, and manage any other credit or loan accounts responsibly, you should see your credit rating improve. In fact, we asked some of the leading credit industry experts to help us to develop this service – just see for yourself what they have to say about creditbuilder

When it comes to improving credit ratings, there’s no magic wand.

If you successfully follow the simple steps with creditbuilder, it should help your credit rating. But of course, we can’t guarantee to improve your credit rating because this loan will only make up part of your overall credit score if you have other credit arrangements.

So ensure you complete all credit agreements according to the terms and you don't open too many accounts or apply for credit in a short period of time.

Please see the "How can I improve my credit rating?" section for more hints and tips on getting a better credit rating.

What the experts say

County Court Judgements will not stop you being accepted for creditbuilder
You don't need a bank account for creditbuilder. Just get a cashplus card
Credit card debt will not stop you being accepted for creditbuilder
You may be perceived as a high credit risk. creditbuilder could help you and your business.
You can start building a credit history with creditbuilder
No problem. There is no credit check for creditbuilder

So if you’re serious about wanting to improve your credit rating, sign up now.

Not a cashplus customer yet? Sign up today.

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