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.
Yonder card and payment reader
woman making a card payment online

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.
Yonder app showing Monzo bank connection
Yonder app showing a customer's bill for the month

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.

How to apply in three easy steps

No need for a UK credit score

See if I'm eligible

Finish your eligibility check.

No need for a UK credit score.

25% complete
You've already passed eligibility
You've already been pre-approved for {amount}, subject to verification
"This is the perfect credit card for individuals with no credit history. I struggled to get a decent credit card for months after moving to the UK, then Yonder came along."
Harmon Dominico, Member

Using Yonder 


could improve your credit rating

Check you’re eligible before applying
You can see if you’re eligible without affecting your credit score. If you continue, we’ll carry out a full credit check.
Borrow what you can afford
When you use a credit card, you need to pay off your balance at the end of the month. Only spend what you can afford to repay.
Improve your credit over time
Making your monthly payment on time could help improve your credit rating. Just like missing a payment can impact it.
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