Get cash top-ups when you earn less than normal
Take home the same amount of money every month even when you earn less. Avoid late fees, overdraft charges and high-interest loans! Apply now. Fast decisions
Open your account in minutes!
Start your smoother life today
We take some of the financial stress out of freelancing, gig work, zero-hour contracts and shift work. We do that by partnering with you to smooth your income when you earn less than normal.
Interest-free cash top-ups
We don’t charge any interest. Just a flat monthly fee, so you stay in control.
Stop worrying about payday
Know exactly how much money you’ll have in your pocket each month
Flexible automatic repayments
Pay us back only when you earn more than normal. No rush. Chill out.
How it works
STEP 1:
Download Wollit now
We work out your average income by connecting securely to your bank, and tell you right away exactly how much money we’ll be able to offer you each month.
Your application is quick and easy and won’t affect your credit score or appear on your credit file.
STEP 2:
Get interest-free cash top-ups when you fall short
On the 1st of each month we’ll see if you earned less than your average income the previous month. If you did, we’ll give you an interest-free cash top-up for the difference.
So if your average income is £1,500, but you only earn £1,300, we’ll offer you an instant £200 cash top-up.
STEP: 3
Only pay us back when your income improves
Top-ups are repaid in months you earn more than your average income. But don’t worry, you’ll always be left with at least your average income, even if you owe us more.
So if you owe us £300 but only earn £50 above your average income – you’ll only repay us £50 that month.
CHECK OUT WHAT OTHERS ARE SAYING
People
Wollit
“Would recommend for anyone currently working different shift patterns and zero hours contracts.”
c1990forte
December 2020 – App Store
“Really great app, easy to understand. Amazing customer service as well. Fantastic value for money.”
JijiFranks95
July 2020 – App Store
“Great for my peace of mind. Sent me money quickly when I needed it. Love knowing Wollit is there for me.”
bucky1982
September 2020 – App Store
Start a smoother life today
Just £9.99 a month
No contracts or commitments. Cancel anytime
Representative APR.
Interest rate 0% p.a. (fixed). Monthly subscription fee: £9.99. Assumed credit limit £1,200. Representative 9.99% APR (Variable)
Key benefits
Wollit gives you a sustainable way to smooth your income without the stress, worry and effort credit from sources like payday loans can cause.
Stop worrying about payday
Know exactly how much money you’ll have each month
Money when you need it most
Avoid late fees, overdraft fees and high-interest loans!
Budget and plan with confidence
Enjoy more more control over your cash and finances.
Personalised just for you
Flexible repayments tailor-made to your exact financial circumstances.
Avoid costly interest fees
Just pay a flat fee every month, so you stay in control.
Open your account in minutes
All from the mobile app. No calls, no paperwork in the post, no stress
Frequently Asked Questions
Wollit Income Smoothing is a credit-based income stability tool that enables you to take home the same amount of money every month – even if your hours and earnings fluctuate.
The goal of the Wollit Income Smoothing is to provide you income predictability and cashflow certainty so you can enjoy a smoother life.
We calculate your average pay by securely connecting to your bank account and analysing your recent income history.
Wollit Income Smoothing is subject to status and affordability.
We take many things into account when deciding whether we can offer someone our income smoothing services. We encourage you to apply even if your credit score isn’t as high as you would hope.
Our aim is to be as inclusive as possible. Unfortunately, we cannot consider your application if you are under 18 years old, do not have a UK bank account or are currently bankrupt or insolvent or have had one discharged in the past 12 months.
Top-ups are instant cash transfers we send you whenever your monthly income is lower than your average pay. Unlike loans, cash top-ups are interest-free and have no fixed repayment dates.
Your Cash Top-up will be the difference between your average income and how much you earned the previous month from the income sources which contribute to your Income Promise.
For example, if your average income is £1,500 and you earned £1,200 the previous month, your Cash Top-up will be £300. (£1,500- £1,200).
Yes! We don’t muck about with interest rates or complicated costs – you just pay a flat fee every month, so you stay in control.
You can cancel at any time. Just let us know and we will close your account immediately. If you have any top-ups outstanding you will need to pay them back first.
JOIN WOLLIT NOW
Start your smoother life today
Open your account in minutes!