The Credit Thing

876 reviews
Content rating
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About this app

A new approach to credit cards - credit at your fingertips. Build your credit score with The Credit Thing. An app you’ll want to use every day.

Key Features
• Risk-free eligibility check,
• Up to 62 days interest-free,
• Apply on your mobile,
• Instant virtual card,
• Improve your credit score by using The Credit Thing and making payments on time.

🔄 You can also set up a regular payment to pay your bill each month - no need to worry about forgetting! Choose the card, what and when you want to pay, we’ll take care of the rest.

The Credit Thing is for anyone who wants to try something new:
• You want to build or improve your credit record,
• You are new to credit or new to the UK,
• You are bored of the same big banks, long forms and slow answers,
• You value innovation, convenience and transparency.
You must be over 18 and resident in the UK to apply. Credit is subject to status.

Representative Example:
Assumed credit limit: £1200,
Interest on Purchases: 27.9% (variable)
Representative APR: 27.9% (variable)
Annual fee: None

✅ Add The Credit Thing to your Google Pay then use contactless in store - it’s accepted wherever you see the Mastercard logo
💳 View your card details in-app and use them to spend online
💷 Transfer money with faster payments to and from UK bank accounts
💬 Get real-time alerts on your spend
📲 Make payments in the app
✈️ No additional fees for using your card abroad

E-money accounts are not covered by the FSCS. Please go to for further information.
You will need to enable notifications in the mobile app to receive alerts.
If you have any questions or problems during the application process contact us in the app using chat.
The Credit Thing is a trading name of Koto Card Limited. Koto Card Limited is authorised and regulated by the Financial Conduct Authority to perform regulated Consumer Credit activities (FRN 813940) and is an appointed eMoney agent of Prepay Technologies Ltd (FRN900010).
Koto Card Limited is a company registered in England and Wales (No. 11224081) at Nightingale House, 46-48 East Street, Epsom, Surrey, England KT17 1HQ.
Updated on
Sep 18, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App activity, App info and performance, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted
876 reviews
Bodi O'Nathan
September 2, 2022
My bank won't let me make a payment to this company, they say its listed as fraudulent due to the number of complaints raised against it by mutual customers. I don't believe this but the app wont let me register on my new handset, it asks to take my photo for registration, brings up the camera but then won't take the picture. Months of trying to get help from CS resulted in exactly no help, leaving me no way to pay them, which they call every month to remind me to do. Dreadful experience.
2 people found this review helpful
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Koto Card Limited
September 2, 2022
Hi Bodi! We are sorry to hear about that experience. Could we kindly ask you to reach out to us via We will look into what we can do to help you.
JJM Gaming
June 23, 2022
Absolutely incredible! Honestly I first saw this company recommended to me via an advert ironically and was after a new type of product to use. I was absolutely blown away when I first used this the interface is absolutely incredible easy to use everything is in one place! The credit application is a very smooth process and yes it varies but I got £250 for my first credit. Highly recommend and have recommended to others. Customer service is outstanding. If you're wanting credit. USE THEM!
5 people found this review helpful
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Koto Card Limited
June 25, 2022
Thank you for taking the time to write in and provide your feedback :) We are very happy to hear about your experience with The Credit Thing. You are inspiring us to move mountains!☺️
Ian Alexander
April 1, 2022
I was a bit sceptical at using this at first, but this app is actually really good, managed to get credit & the repayments are really low & they give you plenty of notice for when they're due. There's also lots of options for transferring money & payment reminders. A great app overall.
18 people found this review helpful
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Koto Card Limited
April 2, 2022
Thank you so much for your review! Enjoy using The Credit Thing ✨

What's new

We've made the application process quicker and easier. Hopefully we won't need to, but if we need to ask you for some more documents we can now do it all in the app.