How Wollit builds your credit
Payment reporting
We report your monthly payments to all UK credit agencies proving you can handle credit responsibly.
Making rent count
We’ll add your rent payments to your credit file showing you make monthly payments on time.
Profile optimisation
Get personalised tips based on your financial habits to increase your approval chances with lenders.
Voted UK’s #1 credit builder
Building credit has never been easier
Unlock better deals, higher limits, and the financial freedom you deserve with Wollit.
No credit check required
No matter your credit score, start building today.
Fast and easy setup
Set up in just 2 minutes – no forms, no hassle.
Triple Impact Reporting
We report your payments to all UK credit agencies for the biggest impact.
Cancel anytime
Not the right fit? Cancel anytime with ease in the app.
Trusted by thousands to build their credit
Got questions? We’ve got answers.
How does Wollit work?
Wollit builds your credit through easy monthly payments. You get a simple, interest-free loan of £119.88 that pays for 12 months of Wollit Credit Builder, which you repay in monthly payments of £9.99 - no credit check required. You won’t get cash directly—instead, you get everything you need to strengthen your credit.
- Build credit history lenders love with all UK credit agencies, Experian, Equifax, and TransUnion.
- Access the Credit Builder app with powerful tools including Rent Reporting, Affordability Boost, and personalised tips.
- Get expert guidance and support to help you make smarter financial choices.
Wollit’s Credit Builder Service is unregulated credit and not regulated by the Financial Conduct Authority.
Is Wollit right for me?
Wollit is ideal if you’re new to credit, new to the UK, looking to rebuild your credit, or working toward financial goals like a mortgage or better credit card rates. However, Wollit isn’t suitable if you’re currently in bankruptcy, have recent CCJs, are missing payments, or are in an IVA or debt management plan. While Wollit helps build positive credit history, lenders might see taking on new credit (even with Wollit) as a sign you’re stretching your finances which could make it harder to get approved for other credit products.
How quickly can I see progress?
You’ll get instant access to all Wollit tools. Your monthly payments will appear on your credit file within a few weeks and begin contributing to your credit history providing they are up to date. Most users start seeing improvements in their credit profile after 3-6 months of consistent payments, though individual results may vary based on your unique credit situation.
What makes Wollit different?
Wollit makes improving your credit easy and stress-free. Unlike traditional credit cards with hidden fees and overspending risks or loans needing strong credit, Wollit builds your credit with small monthly payments reported to all three UK agencies—Experian, Equifax, and TransUnion—for a triple boost. With innovative features like Rent Reporting and the support of our dedicated UK team, Wollit gives you everything you need to make your credit building journey a success.
Instant setup. No credit check
Start building your credit today
Unlock better deals, higher limits, and exciting new financial opportunities. Just £9.99/month.