Kravings

Clay Technologies

About this app

Look... we’re not your typical loan provider. We get it.
You want that dream vaycay vibe money.
To live-it-large-in-Bali money.
You want that low-emission electric car money.
Walk-down-the-aisle-in-style money.
That home-sweet-loan makeover money.
You want cool kicks, and concert tix, your puppy pick — and braces fixed.
And yes... maybe a house someday too.
Kravings helps go-getters like you enjoy the now and plan for tomorrow too.

Get an affordable personal loan from £1,000 to £25,000 over 12 to 60 months — all from your phone.

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Why Kravings?
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• Fast approval
• Fair, fixed rates starting from only 9.9%
• Clear terms, no jargon
• No early settlement or late repayment fees
• Loans that fit your lifestyle

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What are you Kraving?
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• New wheels

• Dream holiday

• Perfect Wedding

• Home makeover

• Pay Off Credit Cards

• New pet

• Moving House

• Medical Procedure

• Invisalign

• Disney World
...or Something Else - it’s your call.

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How It Works
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1) Choose what you're kraving

2) Check your eligibility in minutes

3) Connect your bank securely to verify your affordability

4) If approved, get your loan — fast

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Kravings — Personal Loans for Life’s Big Moments

Because life’s too short to wait on your dreams.

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Representative 22.4% APR. Maximum APR: 40.70% APR.

Credit available only to UK Residents aged 18 and over. Subject to status. Terms apply.

Representative Example: Borrow £7,500 repayable over 36 months at an interest rate of 21.5% pa (fixed) with monthly repayments of £280.10. Representative 22.40% APR. A total amount payable of £10,079.58, which includes a loan fee of £75 fee.

Loan terms available from 12 to 60 months.

Failure to make payments on time may make obtaining credit in the future more expensive and difficult.

Clay Technologies UK Limited (trading as "Kravings") is authorised and regulated by the Financial Conduct Authority (FCA) with reference 1017010. Our registered company number is 15449195 and our registered office is at 30 Churchill Place, Canary Wharf, London, E14 5RE.

©2026 All Rights Reserved.

What’s new

We’ve fixed some bugs and made performance improvements to keep the app running smoothly.