Managing your borrowing

Understanding how credit works can help you manage your money more effectively. Here’s everything you need to know. 

What is credit?

From how credit works to the different types available, we can help you understand what type of credit might work best for you and your business.

Applying for credit

Before you apply for credit, it’s important to make sure you’re eligible and that your credit score is in good order. Here we explain what you need to know before you apply and what to do if you’ve been refused. 

Managing repayments

Know how to read your monthly credit statements and what tools can help you manage your money more effectively.  

Something else you want to know about credit?

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 Bank, Mastercard and use of Trademarks, please see our full legal disclosures at

Advanced Payment Solutions Limited (APS), trading as Cashplus Bank, is registered in England and Wales at Cottons Centre, Cottons Lane, London SE1 2QG (No.04947027). APS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Firm Reference Number 671140.

APS provides credit facilities subject to approval and affordability, and where accounts continue to meet APS credit criteria.

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