Rating based on 65 reviews

Safety Net Credit


  • Personal loans up to £500
  • Low-interest starting from 68.7%
  • Repayment up to 40 days

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Safety Net Credit homepage

Author Safety Net Credit. Screenshot of Safety Net Credit website. [Accessed September 7, 2021]

About Safety Net Credit

We have been providing the people of the UK with credit responsibly.

We are a safe and secure credit provider. When you take a loan through us, we make sure that all your details are secured, and no one will access them except SafetyNet staff.

SafetyNet is a registered credit provider

Technology disruption has resulted in a rise in online scams. There are a lot of fake companies on the internet. But when you choose our services, we make sure you will never regret your decision.

We are registered and we have long been granted the permit of issuing credits. SafetyNet is authorized and regulated by the Financial Conduct Authority for Consumer Credit business.

We lend responsibly at SafetyNet

The responsible lending policy ensures that decisions are fair, affordable and right for you. We are practically forced to check for your affordability before granting you an online loan.

We only allowed to lend you an amount that is within salary range and you will be able to keep up with the repayments for the duration of the loan. The loan should not throw you into debts.

Safety Net Credit Services

Our loans are easy to be accessed, you do not need to have or rather combine unnecessary paperwork.

All our services are designed to accommodate our unique customers. Each customer gets a deal that will be perfect for their individual needs.

A personal loan from SafetyNet

Taking a personal loan from SafetyNet gives you access to up to £1000 credit with full transparency around interest charged. You can use our free to use the app to manage and optimize your borrowing.

We have both manual and automatic repayment. As well as Smart Top-ups to protect you from overdraft fees.

How much does it cost to become a SafetyNet member

Becoming a SafetyNet customer is free. And when you have taken our loan, Interest is charged at 0.8% per day, capped at 40 days with no extra costs, no hidden charges.

We offer transparent services with:

  • No sign-up or subscription fees
  • No charge for early repayments
  • A free comprehensive set of money management tools.

Safety Net Credit – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 68.7%
  • Loan Amount up to £500
  • Repayment 5 days to 40 days

Benefits of Safety Net Credit

  • Get a free app to help you manage your money
  • A transparent loan service
  • No extra cost or hidden fees

Personal loan calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

SafetyNet the credit provider you can trust

We provide you with flexible credit that is easy to manage and minimizes costs.

At SafetyNet, we may take repayment of more than your minimum payment, as set out in your terms and conditions. And most of our customers who make full repayment repay their borrowings monthly.

How to apply for SafetyNet credit

It is so easy to apply for any SafetyNet loans. All you need is an internet connection. You can apply for our products online by visiting our website and click on the apply now button. Or rather if you are already a SafetyNet member you can visit your banking app and start applying. Both loan application forms are convenient, you can apply anytime.

SafetyNet lending criteria

Before you apply for any SafetyNet product you should ensure you meet our criteria which consist of:

  • To be a UK resident
  • To be aged 18 or over
  • A regular income
  • Your bank sort code and account number
  • Log-in details of your debit card and internet banking

The reasons you should choose SafetyNet when you need a loan

  • SafetyNet’s application form can be completed within 8 minutes.
  • While you are applying, we check your bank account to ensure you can afford repayments.
  • If you get approved, you can expect the funds in your bank account within 15 minutes.

All SafetyNet members have access to Smart Top-ups

Access is granted to smart top-ups when you switch on Smart Top-ups on your dashboard, which means SafetyNet will automatically transfer funds when your bank balance drops below the SafetyNet Level you set. Smart top up also means increasing your debt and interest. While we keep on topping up your account, we are also re-writing your debt.

man holding thumbs up

Safety Net Credit is a trusted & reliable provider of personal loans

In our review, Safety Net Credit adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Safety Net Credit is a registered credit provider in the UK; FCA number 715525

Customer Reviews & Testimonials

August 2019

SafetyNet came through for me when I need money to renovate my house

Angel B
— England —

September 2019

The interest rates I received on my SafetyNet loan was so affordable

Rihanna H
— London —

Safety Net Credit Contact

Physical Address

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 08:00 – 17:00
  • Sunday