Rating based on 47 reviews

SafetyNet Credit


  • Quick loans up to £500
  • Apply online today
  • Low-interest starting from 68.7%

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SafetyNet Credit homepage

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

About SafetyNet Credit

SafetyNet Credit is unique in both the traditional banking and online lending worlds - we offer affordable,  fee-free quick loans to of up to £500.

Payday loans are extremely popular since they're so easy to obtain and can be credited almost automatically but, with payday loans carrying APR's that usually go well into the thousands they're extremely expensive.

A better credit solution

At SafetyNet Credit we offer customers the best of both worlds - we offer quick online loans at highly competitive APR's that won't exceed the double-digit mark.

Money when it's needed

At SafetyNet Credit we offer customers instant cash loans when they need it - so you'll never again go into the red or be short on cash. This means that our customers can easily avoid the payday loan trap which is not only expensive but, a frustrating burden.

SafetyNet Credit Services

SafetyNet Credit offer a revolving line of credit up to a limit of £500 - a limit which can automatically be credited to your account or, which you can request by logging into your SafetyNet Credit account.

Get an instant loan - when you need it

Our quick cash loans are available immediately when you need them - so you don’t have to visit a website and make an application or even log into your account. Once you’ve applied online all you have to do is select the "automatic SafetyNet" on your account dashboard to ensure your account balance never goes below a selected limit.

Better than a payday Loan

Our loans are way better than payday loans because you'll be able to access a quick loan immediately when it's needed - to do this we link in to your account and transfer fund automatically once your account balance goes below the selected limit.

SafetyNet Credit – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 68.7%
  • Loan Amount up to £500

Benefits of SafetyNet Credit

  • Flexible and affordable loans
  • Make early repayments
  • Get a free app to help you manage your loan

Quick 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 Credit has quick and convenient loans

Payday loans carry higher rates than traditional loans that you'll get at a bank but, at SafetyNet Credit we offer online applications but are way more affordable than any of the online lenders out there!

We offer payday cash loans at a daily interest rate of just 0,8% - way below the industry average.

Credit card power

Credit cards are great because they offer a revolving line of credit, however, we don’t all have credit rating to qualify for plastic. At SafetyNet Credit we've merged the online lending world with the highly competitive banking industries and offer customers quick, online cash loans at a Representative 68.7% APR!

Pay when you can afford it

Unlike banks and other online lenders we don’t give you strict repayment amounts - we allow you to pay your short-term when you can afford it! Since we link up to your account we will be able to determine when you have sufficient credit in your account to make the necessary repayment - if you don’t have the money we will wait till you do.

This removes the risk of "rollovers and extensions" which so many customers accept from payday lenders.

Do you qualify for a loan?

SafetyNet Credit is a registered lender that abides by the FCA's code of conduct and lends responsibly. Although we are much more flexible than our larger competitors on the high streets - we still have to ensure that you can afford the quick loans we offer you and must ensure you're clear of CCJ's, IVA's and bankruptcy. To apply for our revolving line of credit you must be a UK resident, be over the age of 21 and be employed or self-employed.

Great customer service

As a registered and responsible lender, we will always do our best to give you the most affordable rate possible and help you throughout the application process. Our SafetyNet agents are available to assist you at any time - whether you need help or just have a question about our instant loans or procedures. We will never charge you any later repayment fees - we will only withdraw the loan when you can afford to repay it!

man holding thumbs up

SafetyNet Credit is a trusted & reliable provider of quick loans

In our review, SafetyNet 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.

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

Customer Reviews & Testimonials

October 2019

Safety Net Credit decided to give me a chance when nobody wanted to assist me.

Alex T
— Edinburgh —

September 2019

There has never been a time where Safety Net Credit wouldn’t offer me great financial advice.

Peter L
— Glasgow —

SafetyNet Credit Contact

Contact Number


  • not available


Physical Address

Postal Address

  • SafetyNet Credit PO Box 1515 , High Wycombe , HP11 9JE

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 09:00 – 17:00
  • Sunday – Closed