Apply for Yonder without a UK credit score
If you have one, we'll run a soft check and let you know if you're eligible first. By making your monthly payments on time, we could even help you build your credit report. We just need some of your spending history for you to get started.
What's representative APR?
Representative APR (annual percentage rate) is a rate credit providers, that's us, show so you can compare the cost of different credit products.
It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
It includes all the fixed fees you pay, like your membership fee, so it isn't the rate you'll pay us if you ever need to borrow money. We'll show you that when you sign up.
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We think credit scores are broken
Credit scores are an average of people that behave like you. But what if you’re fresh off the plane or you've never had a loan or a credit card before? You’ll need to start from scratch.
A fairer view on your finances
We use Open Banking, a safe and secure way to view your banking data, to check your income and expenses. It gives us a more accurate, more complete, and more fair view of your finances. It's great for expats and immigrants.
You could build your credit score with us
If you make your monthly payments on time, we'll report them to Experian and you could start building your credit score towards unlocking other financial services like phone plans or mortgages in the future.
Missing payments can impact your credit report, so it's important to make payments on time and only borrow what you can afford to repay.
Missing payments can impact your credit report, so it's important to make payments on time and only borrow what you can afford to repay.
Apply without a UK credit score.
We'll let you know if you're eligible before you apply.
Apply for early access
Step 1
Apply for early access
Add your name and email then fill out our Founding Member survey. We'll invite you to apply, and if you're approved, you'll become one of our early access members.
Apply for early access
Step 2
Download the app and apply
You don't need a UK credit score to apply, but we'll run a soft check if you have a credit report and let you know if you're eligible first.
Step 3
Sign your credit agreement
We'll run a hard check on your credit report (if you have one) once you progress. If you're approved, start using your card details in the app right away.
Apply to be a Founding Member. Just 500 available.
Founding Members is our invite only testing program. This isn't a credit application, just an expression of interest.
Thank you. You're in.
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Important information to know:
- Representative APR: 59.3% APR (variable)
- Approval subject to eligibility: joining our Founding Member waitlist is just an expression of interest. We'll invite you to apply, and if you decide you want to, we'll run some more checks.
- Impact on your credit rating: you'll need to make your minimum monthly payment on time, or it can impact your credit rating. Only borrow what you can afford to pay back.