Build Credit The Smart Way

On The Go Credit is redefining how the UK builds trust with lenders. Simple, predictable, and transparent — your credit journey, your control.

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Build Credit Responsibly

What We Do

At On The Go Credit, we believe fair credit should be accessible to everyone — not just those who already have it. We provide subscription-based credit builder plans that report to major UK credit bureaus, helping you grow your profile safely.

  • Monthly credit-building from only £3.99.
  • Reported to Experian, Equifax & TransUnion.
  • No interest, no hidden fees — ever.

Why Choose Us

We’re building more than a credit builder — we’re building financial confidence.

  • Bank-level encryption & FCA-aligned standards.
  • Monthly credit bureau reporting, automatically.
  • Human-first customer support when you need it.
  • Transparent growth — no surprises, ever.
Secure Credit Platform
Future of Lending

The Future of Secure Lending

We're not stopping at credit building — we're creating a secure lending ecosystem. Our roadmap includes innovative features to empower responsible borrowing:

  • Subscription-linked loans with fair limits.
  • Virtual credit limits that adapt to your history.
  • Reward programs for consistent positive behaviour.
  • Real-time score updates within your dashboard.

Our mission: To make credit growth sustainable, ethical, and secure for all.

Join the Movement

Thousands are already improving their credit health with On The Go Credit. Start your journey today — fair, transparent, and built for your future.

Start Building Today