Creditplus
Creditplus is a UK online car finance broker (not a lender) that matches individual consumers, including subprime borrowers, with finance options from a panel of lenders and supports vehicle sourcing from any UK dealer.
- Company typePrivate
- Founded2004
- HeadquartersPoole, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Creditplus does
Creditplus is the trading name of Jump Finance Ltd, a UK-based online car finance broker (not a lender) that has been operating since 2004 from its headquarters in Bournemouth, Dorset. The company serves UK consumers seeking to finance a vehicle and operates a direct-to-consumer model: applicants complete a short online form (marketed as taking under 60 seconds), receive an eligibility indication via a soft-search tool, and are then matched by Creditplus with finance options from a panel of third-party lenders. Customers are guided through the process by phone-based car finance specialists and can additionally use a vehicle-sourcing service that searches any UK dealer.
The core technology is an online lending marketplace that routes applicant data to a lender panel rather than performing underwriting itself. Revenue is generated as broker commission — a fixed fee or percentage of the amount borrowed — paid by lenders when a customer proceeds with finance; Creditplus states customers do not pay more as a result. The product set is broad across vehicle categories (cars, nearly-new, used, vans, motorhomes, motorbikes, classic cars, electric vehicles) and finance types (Hire Purchase, Personal Contract Purchase, car leasing, van leasing, guarantor loans, and a dedicated bad-credit / subprime vertical). Supporting tools include a car finance calculator, an eligibility checker, and a pre-delivery inspection (PDI) centre for sourced vehicles.
Operationally, the business is a small private limited company registered in England and Wales (company number 12665481) with 51-100 employees, regulated by the Financial Conduct Authority (FCA number 953084) and registered with the ICO (ZA768331). Cumulative marketing claims include 1M+ customers approved and £850M+ in financing approvals since 2004, 1,329 Trustpilot reviews, and 2024-2025 industry recognition including the Auto Finance Awards and 2025 Specialist Automotive Finance (SAF) approval. No funding rounds, M&A, or external investors are disclosed.
Creditplus firmographics
Firmographics- Name
- Creditplus
- Legal name
- Jump Finance Ltd
- Website
- https://creditplus.finance
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Creditplus is a UK online car finance broker (not a lender) that matches individual consumers, including subprime borrowers, with finance options from a panel of lenders and supports vehicle sourcing from any UK dealer.
- Ownership category
- akta.pro rank
Creditplus industry classification
Industry- Product category
- Consumer Auto Finance Brokerage
- NAICS
- Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Auto / Vehicle Marketplace Lending (FSAKAHAF)
Keywords
Where Creditplus is headquartered
LocationHeadquarters
- HQ city
- Poole
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Creditplus business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure
Revenue model
- Broker Commission: Creditplus acts as a credit broker and earns commission from lenders in its panel when customers are matched and finance is approved. Commission is either a fixed fee or a percentage of the amount borrowed. The company states customers will not pay more as a result of commission arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Contract Purchase (PCP) - flexible monthly payments with optional balloon payment |
| Subscription | Monthly | Hire Purchase (HP) - fixed monthly payments to own the vehicle at end of term |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
Creditplus product offering
Product offeringCore offering
Creditplus is a UK-based car finance broker (not a lender) that matches individual consumers with vehicle finance options from a panel of FCA-approved lenders. It offers Hire Purchase (HP), Personal Contract Purchase (PCP), Car Leasing, Van Leasing, and Guarantor Loans for new, used, and specialist vehicles, and provides a vehicle sourcing service to find cars from any UK dealer. The company earns commission from lenders when customer applications are approved.
Product overview
Creditplus is a car finance broker (not a lender) that operates through a panel of lenders to match customers with appropriate finance products. The core product portfolio consists of five main finance options: Hire Purchase (HP), Personal Contract Purchase (PCP), Car Leasing, Van Leasing, and Guarantor Loans—all designed for financing vehicles including cars, vans, motorhomes, motorbikes, and classic/electric vehicles. Supporting these core finance products are tools including a Car Finance Calculator for payment estimation and an Eligibility Checker that performs soft credit searches. Creditplus also offers a vehicle sourcing service that searches a dealer network to find customers' desired vehicles. The company differentiates through its panel of lenders enabling approval across all credit backgrounds, including bad credit scenarios.
Differentiator
Problem solved
Functional benefit
Products and services
- Hire Purchase (HP) A car finance option where the borrower pays fixed monthly installments over an agreed term, with ownership of the vehicle transferred upon final payment. Designed for individual consumers purchasing a vehicle.
- Personal Contract Purchase (PCP) A flexible car finance option featuring lower monthly payments, an optional balloon payment, and flexibility to own, return, or exchange the vehicle at the end of the contract. Designed for individual consumers.
- Car Leasing Long-term vehicle rental option allowing customers to drive a car for a fixed period with monthly payments. Designed for individual consumers who prefer not to own a vehicle.
- Van Leasing Finance option for commercial vans tailored for business users needing commercial vehicle access.
- Guarantor Loans Car finance option requiring a guarantor to support the borrower's application, designed for customers with poor credit history.
- Bad Credit Car Finance Specialized car finance service for customers with poor credit scores or those who have been refused finance elsewhere.
- Car Finance Calculator Online calculator tool enabling customers to estimate borrowing amounts, monthly payments, and total loan costs based on budget, credit score, and repayment period.
- Eligibility Checker Pre-application assessment tool that checks customer eligibility without affecting credit score.
- Sell Your Car Service allowing existing customers to sell their vehicles as part of the car finance process.
Quantifiable outcome
- 1 million+ customers approved since 2004
- +3 more outcomes
Companies that use Creditplus
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Creditplus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Creditplus partnerships and signals
Strategic signalScale indicators5 records
Recent moves5 records
Expansion highlights5 records
Creditplus competitors and assessment
Company assessmentBroad incumbents
- Zopa: UK digital bank and consumer lender offering personal loans and car finance products. Comparable to Creditplus in offering UK consumers online credit products including vehicle loans, but with a broader deposit-taking balance sheet.
- Black Horse: UK auto finance provider owned by Lloyds Banking Group, offering finance through dealers and direct channels. Comparable to Creditplus in core UK car finance products but operates as a captive lender with broader balance sheet capabilities.
- Admiral Money: UK consumer lending arm of Admiral Group offering car finance, personal loans, and credit cards. Comparable to Creditplus in providing UK car finance directly to consumers, though as part of a wider financial services portfolio.
Direct peers
- Moneybarn: UK specialist lender focused on vehicle finance for non-prime and adverse credit borrowers. Comparable to Creditplus in serving customers with poor credit histories seeking vehicle finance, often via dealer and broker channels.
- MotoNovo Finance: Large UK specialist auto finance lender serving consumers and dealers across prime and near-prime credit bands. Comparable to Creditplus in its UK auto finance focus, dealer relationships, and panel presence within the broker ecosystem.
- CarFinance247: One of the largest UK online car finance brokers, matching consumers with lenders for HP, PCP, and lease products. Directly comparable to Creditplus in product mix, panel-based broker model, and target audience of UK car buyers.
- Startline Motor Finance: UK motor finance provider focused on supporting dealers and brokers with prime and near-prime lending products. Comparable to Creditplus as a UK auto finance participant serving similar customer segments via dealer and intermediary channels.
- Carmoola: UK digital-first car finance platform offering finance directly to consumers and dealers. Comparable to Creditplus as an online UK car finance intermediary focused on streamlining the application and matching experience.
Emerging players
- Auto Trader: UK's largest digital car marketplace with growing finance offerings connecting buyers to lenders. Comparable to Creditplus in the UK car-buying funnel and increasing overlap in online finance intermediation, though Auto Trader's primary category is listings rather than finance.
Others
- MoneySupermarket Group: UK price comparison platform covering motor finance among many other financial products. Comparable to Creditplus as a consumer-facing UK channel for comparing and selecting car finance, though operating as a comparator rather than a direct broker.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Creditplus social profiles
Digital presenceCreditplus compliance and trust
Trust signalCompliance2 records
Creditplus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Creditplus leadership team
Management profileNumber of profiles
Creditplus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Creditplus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Creditplus
What does Creditplus do?
Creditplus is a UK-based car finance broker (not a lender) that matches individual consumers with vehicle finance options from a panel of FCA-approved lenders. It offers Hire Purchase (HP), Personal Contract Purchase (PCP), Car Leasing, Van Leasing, and Guarantor Loans for new, used, and specialist vehicles, and provides a vehicle sourcing service to find cars from any UK dealer. The company earns commission from lenders when customer applications are approved.
Is Creditplus a public or private company?
Creditplus is a private company. It is classified as unknown and is currently operating.
When was Creditplus founded?
Creditplus was founded in 2004. It employs 51 to 100 people.
Where is Creditplus based?
Creditplus is headquartered in Poole, United Kingdom, in the Europe region.
How does Creditplus make money?
One revenue line is on record: broker Commission.
Who are Creditplus's main competitors?
Broad incumbents on record are Zopa, Black Horse and Admiral Money. Direct peers are Moneybarn, MotoNovo Finance, CarFinance247, Startline Motor Finance and Carmoola. Auto Trader is listed as an emerging player. MoneySupermarket Group is listed as an others.
Does Creditplus have an API?
No public API is recorded for Creditplus.
What industry is Creditplus in?
Creditplus's product category is Consumer Auto Finance Brokerage. Its primary akta.pro industry code is FSAKAHAF, Auto / Vehicle Marketplace Lending. Its NAICS code is 5223 and its SIC code is 6163.