Creditstar
Creditstar UK Limited is an FCA-regulated, London-based online lender offering unsecured personal loans of £2,000 to £10,000 to UK consumers, operating as the UK arm of the pan-European Creditstar Group serving over 1 million customers.
- Company typePrivate
- Founded2006
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Creditstar does
Creditstar UK Limited is a London-headquartered, FCA-regulated online consumer lender (registration no. 675392; company no. 07085760) that originates unsecured personal loans of £2,000 to £10,000 to UK residents aged 21+ in full-time employment. The business runs a fully digital, direct-to-consumer model: applications are submitted online, credit decisions returned within minutes, and approved funds paid out same day, with customers managing loans through an online dashboard. Underlying credit decisions are made using proprietary risk analysis and lending decision technology combined with automated data analysis and bank-statement review, in compliance with FCA affordability and creditworthiness rules. Purpose-specific marketing verticals (home renovation, travel, wedding) sit on top of the single underlying loan product.
The company is a UK operating subsidiary of Creditstar Group, an international fintech founded in 2006 that serves over 1 million customers across 8 European countries. Revenue is generated entirely through interest income on fixed-term installment loans at a Representative APR of 29.7%, with monthly fixed repayments and no setup or hidden fees; there is no transactional fee or interchange revenue layer. Distribution is exclusively digital via creditstar.co.uk, with SEO-driven landing pages and a self-serve application flow; no mobile app, broker network, or physical branches are operated. The UK entity employs 101-250 staff and is registered at 210 Euston Road, London, NW1 2DA.
Creditstar firmographics
Firmographics- Name
- Creditstar
- Legal name
- Creditstar UK Limited
- Website
- https://creditstar.co.uk
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Creditstar UK Limited is an FCA-regulated, London-based online lender offering unsecured personal loans of £2,000 to £10,000 to UK consumers, operating as the UK arm of the pan-European Creditstar Group serving over 1 million customers.
- Ownership category
- akta.pro rank
Creditstar industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Near-Prime Unsecured Personal Loans (Installment) (FSAKAAAB)
- akta.pro secondary industries
- Prime Unsecured Personal Loans (Installment) (FSAKAAAA), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where Creditstar is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Creditstar business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Personal Loans: Creditstar generates revenue through interest charged on unsecured personal loans. Borrowers repay in fixed monthly instalments over agreed periods, with interest rates (Representative APR 29.7%). Revenue is transactional in nature per loan agreement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Personal loans from £2,000 to £10,000 with Representative APR of 29.7% |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Creditstar product offering
Product offeringCore offering
Creditstar offers unsecured personal loans from £2,000 to £10,000 to UK residents aged 21 and over, with fixed monthly repayment terms of 18 to 60 months and a Representative APR of 29.7%. The entire process — application, credit decision, payout, and ongoing loan management — is conducted online, with decisions delivered within minutes and same-day payouts if approved. Loans are marketed under four purpose-based variants (personal, home renovation, travel, wedding) that share the same underlying lending mechanics.
Product overview
Creditstar is a single-product personal lending platform offering unsecured loans from £2,000 to £10,000 with flexible repayment terms of 18 to 60 months. The core product is marketed under four named purpose categories: Personal Loans (general purpose), Loans for Home Renovation, Loans for Travel, and Loans for Wedding. All loan variants share the same underlying product mechanics with Representative APR of 29.7%, fixed monthly repayments, and no hidden fees. The purpose-specific sub-products represent different use cases for the same loan product rather than distinct product lines.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans
Quantifiable outcome
- Decision within minutes of application submission
- +2 more outcomes
Companies that use Creditstar
Customer profileSegments1 record
Ideal customer profiles1 record
Creditstar technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Creditstar partnerships and signals
Strategic signalScale indicators3 records
Recent moves4 records
Expansion highlights3 records
Creditstar competitors and assessment
Company assessmentDirect peers
- Zopa: Zopa is a UK-based digital personal loan provider and challenger bank. It directly competes with Creditstar in the UK unsecured personal loan space, serving similar employed, prime-to-near-prime borrowers via an online application and fixed-monthly-repayment product.
- ClearLoans: ClearLoans (part of the Pattison & Co / Everyday Loans group) is a UK FCA-regulated broker and lender for personal loans to near-prime UK consumers. It competes with Creditstar on unsecured personal loan products of similar size and term with comparable decision speed.
- Lending Works: Lending Works is a UK peer-to-peer and consumer lending platform offering personal loans to UK residents online. It competes with Creditstar in unsecured personal loans under £10k with fixed monthly repayments and a fully digital application.
- Amigo Loans: Amigo Loans is a UK FCA-regulated lender specializing in high-acceptance unsecured and guarantor personal loans. It overlaps directly with Creditstar on near-prime unsecured personal loans to UK consumers, with comparable price points and digital/branch distribution.
- Moneybarn: Moneybarn is a UK FCA-regulated consumer lender providing unsecured and vehicle-backed personal loans to non-prime and near-prime borrowers. It competes with Creditstar in higher-APR unsecured personal loans for UK consumers with imperfect credit profiles.
- Oakbrook Finance: Oakbrook Finance operates as a UK consumer credit origination and servicing platform, including near-prime personal lending. It competes with Creditstar on underwriting, distribution, and servicing of UK unsecured personal instalment loans.
- 118 118 Money: 118 118 Money is a UK FCA-regulated personal loan provider serving near-prime borrowers with unsecured and home credit products. It competes directly with Creditstar in the higher-APR unsecured personal loan segment sold via digital and aggregator channels.
Emerging players
- Tandem Bank: Tandem is a UK digital challenger bank that has offered personal loans and credit products to consumers via a fully online application. It is a partial competitor to Creditstar, competing for the same digitally native UK borrower but with broader banking product ambitions.
- Atom Bank: Atom Bank is a UK digital challenger bank offering personal loans to consumers through a mobile-first process. It overlaps with Creditstar's unsecured personal loan product but with lower representative APRs, putting it in adjacent competitive territory.
Broad incumbents
- Funding Circle: Funding Circle is an established UK online lending platform best known for small-business loans but operating broadly in UK credit intermediation. While focused on SMB lending, its online origination infrastructure and FCA-regulated standing provide a broader reference point for UK digital lending scale.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Creditstar social profiles
Digital presenceCreditstar financial estimates
Financial estimateRevenue estimate
Valuation estimate
Creditstar leadership team
Management profileNumber of profiles
Creditstar funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Creditstar 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 Creditstar
What does Creditstar do?
Creditstar offers unsecured personal loans from £2,000 to £10,000 to UK residents aged 21 and over, with fixed monthly repayment terms of 18 to 60 months and a Representative APR of 29.7%. The entire process — application, credit decision, payout, and ongoing loan management — is conducted online, with decisions delivered within minutes and same-day payouts if approved. Loans are marketed under four purpose-based variants (personal, home renovation, travel, wedding) that share the same underlying lending mechanics.
Is Creditstar a public or private company?
Creditstar is a private company. It is classified as corporate owned and is currently operating.
When was Creditstar founded?
Creditstar was founded in 2006. It employs 101 to 250 people.
Where is Creditstar based?
Creditstar is headquartered in London, United Kingdom, in the Europe region.
How does Creditstar make money?
One revenue line is on record: interest Income from Personal Loans.
Who are Creditstar's main competitors?
Direct peers on record are Zopa, ClearLoans, Lending Works, Amigo Loans, Moneybarn, Oakbrook Finance and 118 118 Money. Emerging players are Tandem Bank and Atom Bank. Funding Circle is listed as a broad incumbent.
Does Creditstar have an API?
No public API is recorded for Creditstar.
What industry is Creditstar in?
Creditstar's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAB, Near-Prime Unsecured Personal Loans (Installment), with a secondary code of FSAKAAAA, Prime Unsecured Personal Loans (Installment). Its NAICS code is 5222 and its SIC code is 6141.