LemFi Credit
Credit That Works for You
Build your credit score with LemFi’s fair, transparent, and accessible credit Product.
LemFi Credit is provided by Abound. LemFi is not a lender.
Disclaimer: Missed or late payments may impact your credit score and result in additional interest payable.
Representative Example
£300
Assumed credit limit
29.9%
Interest rate p.a. (variable)
29.9%
Representative APR (variable)
It is a better way to credit
Flexible Credit
Enjoy flexible access to your credit limit, spend as needed and set a repayment date that works for you.
Easy 4-Month Instalment Plan
Every purchase is automatically split into 4 monthly instalments. Interest is calculated daily, meaning that if you repay early, you'll save on the interest paid.
Get a virtual card
Once approved, provide repayment consent through Open Banking, and start spending immediately by adding your LemFi virtual card to Apple Pay or Google Pay.
Quick And Easy Steps
How to get LemFi Credit
1. Check Your 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.
Flexible Credit
How it works?
1. Revolving Credit Line
Access LemFi credit anytime with a virtual card.
2. 4-Month Installments
Each transaction converts into a 4-month installment.
3. Monthly Automatic Payments
Monthly instalment are automatically collected on your chosen date
4. Interest Application
Interest starts on the transaction date. Paying early lowers interest, with no penalties.All The Things to Love
About LemFi Credit
Build Credit Score
On time payments can help improve your credit score. Missing payments can negatively impact your credit score.No Fees and 100% Transparency
No transaction fee, no late payment fee, and no secrets between us. You’ll always know what you’re paying.Instant Access to Credit
Get approved, provide repayment consent through Open Banking, and start spending on your LemFi virtual cardImpact-Free Eligibility Check
Check if you qualify for LemFi Credit without any impact on your credit score.Everything in one place
Why juggle multiple apps? Make international transactions and build your credit in one place.We’re Here for You, Every Day
Our support team is available 7 days a week to help with anything you need.
Got questions?
Some of most frequently asked questions.
What is LemFi Credit?
How is LemFi Credit different from a traditional credit card?
Can anyone apply for LemFi Credit?
I’ve just moved to the UK, can I still apply?
Are there any fees associated with LemFi Credit (e.g., late fees, over-limit fees)?
Who is Abound and Fintern Limited?
