Our Credit Add-Ons.

Ready to kick in when you need that extra bit of help. 

We’ve designed our unique set of credit products to make sure we can provide the kind of support your needs.

As a responsible lender we’ll need to make sure you meet our eligibility criteria before you can add these onto your Cashplus Account, but don’t worry, as soon as you’re eligible we’ll let you know. Please remember: Late repayments on credit products could cause you serious money problems. If you need assistance, please visit the Money Advice Service



Your route to a better credit score

Maybe you’ve let a few defaults make their way onto your report, or you’re new to UK and want to show you’re a responsible borrower but don’t have the history yet.

We designed Creditbuilder to help people just like you. It could help improve your rating and all you pay is the cost of your normal monthly account fee.

Representative Example: Amount lent by APS: £71.40 for 12 months, 0% interest. 12 monthly payment of £5.95. Total amount payable: £71.40. Representative 0% APR.

Important: Payments must be made on time to avoid damaging your credit rating, as we’re obliged to report this information to the Credit Reference Agencies.  For more information on how Creditbuilder works and signing up, view our Creditbuilder page.

There are no credit checks to add Creditbuilder to your account

We turn your monthly account fees into a loan agreement. (No money changes hands)

Each month, you pay your current account fee as normal – no interest is charged

We report this to the Credit Reference Agencies as successful loan repayments


Your regular safety net

Sometimes having the added peace of mind that your card won’t be declined makes all the difference.

By adding our iDraft to your Cashplus Account you’ll have a reusable line of credit available to use, in case your own money runs out. Once you set up your iDraft via your Mobile App or Online Servicing account, it’s yours to use on whatever you choose. Withdraw cash, cover bills – dip it when you need to and simply pay back into your account to repay it. We'll let you know as soon as you're eligible. 

Representative example: Credit amount: £100 for 12 months, 0% interest, 75p per day flat usage fee, capped at £10 per monthly statement period, plus a one off arrangement fee of £20. Total amount payable: £240. Representative 230% APR.

Apply via online servicing or mobile app

Withdraw cash, cover Direct Debit and Standing Order or and make purchases

Flat daily usage fee, only charged when used

What next?

If you’re an existing Cashplus customer, we’ll let you know as soon as you’re eligible for one of our credit add-ons via email, Online Servicing message or SMS. (if you’re a personal customer on a monthly plan, Creditbuilder should automatically be available for you to sign up to).

Worried you’ve missed a notice? No problem – just login to Online Servicing or the Mobile App. Your eligible products will display on your Account Overview screen, or you can visit the Credit Add-Ons section.

If you’re after some more information on any of our products, check out our help centre.

Terms and Conditions apply, including applicants being resident in the UK & aged 18+ and, if relevant, businesses being based in the UK. For full website terms including information on Cashplus, Mastercard and use of Trademarks, please see our full legal disclosures at https://www.cashplus.com/legal/. **Credit facilities are provided by Advanced Payment Solutions Ltd (APS) and are subject to the AFL Cashplus e-money account being in good standing and applicants aged 18+. APS is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Registration No. 671140). ♦Calls to 03 numbers cost no more than a national rate call to a 01 or 02 number and will count towards inclusive minutes in the same way as 01 and 02 calls. Calls may be recorded.