Wollit

Welcome to Wollit!

Instant setup. No credit check.

Get started with your exclusive rate.

No credit check. Instant setup.

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Wollit is unregulated credit. Missed payments may appear on your credit file. By continuing you agree to the Terms and Privacy Policy.

How Wollit builds your credit

1

Join Wollit

Start with a 7-day free trial. No credit check, guaranteed approval. Quick setup, cancel anytime.

2

Make Monthly Payments

Just £9.99/month. Each on-time payment is reported to all three UK credit agencies - for 3x the impact.

3

Unlock opportunities

As your credit grows, qualify for credit cards, loans, and mortgages— moving closer to your goals.

Voted UK’s #1 credit builder

Building credit has never been easier

Unlock better deals, higher limits, and the financial freedom you deserve with Wollit.

No credit check required

No matter your credit score, start building today.

Fast and easy setup

Set up in just 2 minutes – no forms, no hassle.

Triple Impact Reporting

We report your payments to all UK credit agencies for the biggest impact.

Cancel anytime

Not the right fit? Cancel anytime with ease in the app.

Trusted by thousands to build their credit

Got questions? We’ve got answers.

How does Wollit work?

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.

Is Wollit right for me?

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.

How quickly can I see progress?

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.

What makes Wollit different?

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.

What if I miss a payment?

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.

Can I cancel early?

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.

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