Better way to credit
Build credit with LemFi’s fair, transparent and accessible credit.1
Credit subject to status. 18+ years. UK residents. Terms apply.
Pay with a tap using
Credit
Representative Example
- £1,200
- Assumed credit limit
- 37.9%
- Interest rate p.a. (variable)
- 37.9%
- Representative APR (variable)
- 4.5 Rated Excellent on Trustpilot
- 200K Apple App Store and Google Play reviews
- 4.8 Average on App Store & Google Play
Send nowpay later
Send extra money home when it matters most with LemFi credit then pay back later in easy monthly instalments. Fees and standard interest rates apply.
Flexible credit
How it works
1. Check Eligibility
Fill in your details to see if you qualify. No impact on your credit score.
2. Verify Your Income
Securely connect your bank account to confirm your monthly income.
3. Get Approved
Once you have been approved, review the credit offer and sign your agreement.
4. Start Using LemFi Credit
Activate your virtual card, set up auto repayments, and begin building your credit history today.
1. Check Eligibility
Fill in your details to see if you qualify. No impact on your credit score.
1. Check Eligibility
Fill in your details to see if you qualify. No impact on your credit score.
All the reasons to love
LemFi credit
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FAQs
The stuff people ask us.
LemFi Credit is a revolving credit line accessible through a virtual card that you can add to Apple Pay or Google Pay. It's designed to help you manage your finances effectively and build a positive credit history. Please note that late or missed payments will be reported to credit reference agencies, which could negatively impact your credit score.
Like a credit card, it gives you a revolving credit line via a virtual card you can add to Apple Pay or Google Pay. Unlike most cards, every purchase is automatically split into 12 monthly instalments, and paying early lowers your interest with no penalties.
LemFi Credit is available to UK residents aged 18 and over, subject to status and affordability checks. Checking your eligibility won't affect your credit score.
Yes. LemFi Credit is designed with newcomers in mind — you can apply even with a limited UK credit history. We confirm your income by securely connecting your bank account, and on-time payments help you build your UK credit score.