Current Account

What is the thinkmoney credit facility?

The thinkmoney credit facility offers you a way to borrow money when you need it and pay it back over a time that’s right for you.

You can apply for a credit facility with a limit of up to £400 – depending on your eligibility – for between 1-30 days.

You can apply for a credit facility if you've had an active thinkmoney Current Account for three months. You can give us a call on 0161 672 8977 to see if you're eligible.

You only pay for the credit facility when you use it. You’ll pay interest of 0.75% per day on the outstanding amount borrowed.

So if you borrow £100 for 10 days, you’ll repay a total of £107.50 – this includes the £100 you borrowed plus 75p a day for 10 days – £7.50 in interest.

When you apply for the credit facility, we thinkmoney are the credit broker, Ideal Finance is the lender, and they pay us for our service. Think Money Limited and Ideal Finance Limited are both part of Think Money Group.

1077.4% APR Representative – loans are subject to status and affordability.       

Warning: Late repayments can cause you serious money problems. For help, go to

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