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!

wollit app

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


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.

wollit app
wollit app


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.


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.

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“Would recommend for anyone currently working different shift patterns and zero hours contracts.”


December 2020 – App Store

flexible workers in the UK

“Really great app, easy to understand. Amazing customer service as well. Fantastic value for money.”


July 2020 – App Store

self employed

“Great for my peace of mind. Sent me money quickly when I needed it. Love knowing Wollit is there for me.”


September 2020 – App Store

wollit logo

Start a smoother life today

Interest-free cash top-ups

Personalised for you

Flexible affordable repayments

Avoid high-cost credit

Automatic credit building

Powerful money alerts

Financial peace of mind

Fast friendly customer support

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

What is the Wollit Income Smoothing?

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.

How is my average income calculated?

We calculate your average pay by securely connecting to your bank account and analysing your recent income history.

Can everyone use Wollit Income Smoothing?

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.

How are Cash Top-ups different to a loan?

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.

How much will my Cash Top-up be?

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).

Is Wollit really only £9.99 a month?

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.

How easy is it to cancel?

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.


Start your smoother life today

Open your account in minutes!