Apply for Yonder even if you just moved to the UK
If you have a credit score, 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.
How to apply in three easy steps
Finish your eligibility check.
CF
25% complete
Continue
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
Step 1
Check your eligibility
We’ll ask you a few quick questions to see if you’re eligible. We’ll run a soft credit check here, but don’t worry, it won’t affect your credit score.
Step 1
Download the Yonder app
You’ll have the chance to double-check the details you’ve given us, just to make absolutely sure before we run a hard credit check.
Step 2
Complete your application
You’ll need to download the app for this bit, where you’ll verify your finances and ID. We’ll also run a hard check on your credit report too if you have one.
Step 3
Sign your credit agreement
Once you’re fully approved, you’ll be able to choose your membership and start using your digital card right away.
You've been pre-approved for £{amount}
Continue in the app to get 1 month free & 10,000 points
Then £15/month, 66.7% APR
Cancel anytime. APR subject to verification
Continue in the app to get 1
month free & 10,000 points
month free & 10,000 points
Continue in the app to get 1
month free & 10,000 points
month free & 10,000 points
Then £15/month, 66.7% APR (variable)
Cancel anytime. APR & limit subject to verification
