Creditspring surpasses 1.7 million loans and £715 million in lending after record 2025

Creditspring, the subscription-based credit provider on a mission to improve financial stability across the UK, has closed 2025 with its strongest year to date, having provided over 1.7 million loans to members across the UK since the company’s inception in 2016, totalling more than £715 million.  

Against a backdrop of ongoing cost-of-living pressure and rising household debt, Creditspring’s safer, more predictable subscription-based credit model has continued to outpace traditional lenders as demand for fair, transparent credit options has surged. As of December 2025, over 350,000 members were actively using the platform. The company’s focus on improving financial resilience has also helped members identify more than £2.8 billion in undiscovered benefits through its Benefits Finder tool. 

Key elements of Creditspring’s growth journey this year include a new partnership with TransUunion, extending access to fair credit for people who may have been rejected elsewhere. Additionally, products such as Creditspring Go, the company’s credit trainer product, have seen strong performance, with the number of users progressing to full loan eligibility rising to 12,512 in 2025, up from 1,887 in 2024.  

Improving the member experience 

Throughout 2025, Creditspring focused heavily on improving the user experience for members, expanding its operations and customer support teams by 36% to meet rapidly growing demand and maintain high service standards, while integrating new processes and AI systems to enhance efficiency.  

Creditspring has simplified the way members manage their products, making the journey clearer and more transparent. Improvements to the Direct Debit process have allowed for early repayment, faster renewals, and flexible payment scheduling, giving members greater control and predictability. Meanwhile, cancellation journeys have also been streamlined to ensure a fair, frictionless experience.  

Member feedback continues to underline this impact. Since January 2025, Creditspring has received more than 6,000 five-star reviews on Trustpilot, representing a 34% increase on the previous 12 months. Testimonials from customers highlight Creditspring’s inclusive approach, with members stating that the service “always came through for me when I needed it most” and “really helped me out when other companies wouldn’t”. 

Creditspring’s customer service performance remains among the best in the industry, with a CSAT score of 84-85% maintained throughout the year, despite contact levels reaching record highs. By integrating AI-powered support tools, Creditspring has improved speed, availability and scalability without compromising empathy or outcomes. Consequently, automated systems now successfully resolve more than a third of all customer interactions. 

Neil Kadagathur, CEO at Creditspring said: “2025 has been another challenging year financially for UK households. What we are proudest of is not just our growth, but the real world impact that growth represents. This year we have continued to invest in making credit fairer, clearer, and safer, supporting more than 350,000 members to manage unexpected costs. 

“Our subscription-based model proves that ethical, transparent credit can scale while genuinely improving people’s financial stability. That belief will continue to guide everything we build.” 

Looking ahead to 2026 

Creditspring enters 2026 with a clear roadmap focused on smarter decision-making, more flexible products and an even smoother member journey. In the first half of the year, the company plans to embed AI more deeply into internal admin tools and operations to improve efficiency, accuracy and responsiveness across the business. Additionally, 2026 will see Creditspring launch a number of new products aimed at supporting even more households regain financial stability and manage short-term financial shocks. 

Kadagathur added: “In 2026 we’ll double down on two priorities: using technology to make credit fairer, faster and clearer, and giving members more control and flexibility over how they borrow and repay. With strong foundations and a focused product roadmap, we are well positioned to help even more people move away from high-cost, harmful credit and towards long term financial stability.”