Wollit builds your credit through easy monthly payments. You get a simple, interest-free loan of £119.88 that pays for 12 months of Wollit Credit Builder, which you repay in monthly payments of £9.99 - no credit check required. You won’t get cash directly—instead, you get everything you need to strengthen your credit.

• Build credit history lenders love with all UK credit agencies, Experian, Equifax, and TransUnion.
• Access the Credit Builder app with powerful tools including Rent Reporting, Affordability Boost, and personalised tips.
• Get expert guidance and support to help you make smarter financial choices.

Wollit’s Credit Builder Service is unregulated credit and not regulated by the Financial Conduct Authority.

Wollit is ideal if you’re new to credit, new to the UK, looking to rebuild your credit, or working toward financial goals like a mortgage or better credit card rates. However, Wollit isn’t suitable if you’re currently in bankruptcy, have recent CCJs, are missing payments, or are in an IVA or debt management plan. While Wollit helps build positive credit history, lenders might see taking on new credit (even with Wollit) as a sign you’re stretching your finances which could make it harder to get approved for other credit products.

You’ll get instant access to all Wollit tools. Your monthly payments will appear on your credit file within a few weeks and begin contributing to your credit history providing they are up to date. Most users start seeing improvements in their credit profile after 3-6 months of consistent payments, though individual results may vary based on your unique credit situation.

Wollit makes improving your credit easy and stress-free. Unlike traditional credit cards with hidden fees and overspending risks or loans needing strong credit, Wollit builds your credit with small monthly payments reported to all three UK agencies—Experian, Equifax, and TransUnion—for a triple boost. With innovative features like Rent Reporting and the support of our dedicated UK team, Wollit gives you everything you need to make your credit building journey a success.

If you miss a payment, we’ll let you know and try to collect it again over the next few days to help you get back on track. If you’re having trouble paying, please reach out to us—we’re here to help. Like all lenders, if we can’t collect payment or don’t hear from you we may need to report it to the credit agencies.

Yes, you can cancel at any time. Provided your payments are up to date there is nothing further to pay. However, for the best credit-building results, we recommend completing the full 12-month subscription.