<iframe src="https://www.googletagmanager.com/ns.html?id=GTM-WTMQ4QSL" height="0" width="0" style="display:none;visibility:hidden" title="gtm-frame"></iframe>Build your credit rating with Zempler Creditbuilder

Creditbuilder

Build your credit score

Who is Creditbuilder for?

If you don’t have a credit history or want to improve your credit score, Creditbuilder can help with everything from getting a mobile phone contract to having your mortgage application approved. 

Don’t currently have an Activeplus account?

New applications for our Activeplus account are currently closed on our website. If you already have an Activeplus account, you can add the Creditbuilder tool in-app or in Online Banking.

How Creditbuilder works

  1. Activeplus account customers

    Once you’ve activated your Activeplus card, you’ll find the Creditbuilder tool online and in the Zempler app.

    Please note new applications for Activeplus are currently closed on our website. 

  2. Make payments & track progress

    Creditbuilder is a 12-month commitment to paying your monthly £5.95 account fee on time.

    Track your progress through the Creditbuilder dashboard in-app or online, where you’ll find your payment dates, outstanding balance, and payment history.

  3. Grow your credit score

    We’ll report your monthly repayments to credit reference agencies, which will build your business credit score.

    This isn’t an overnight fix, but you could see an improvement within months.

Need to know

  • You must be able to afford to make all your 12 monthly payments of £9 on time, as missing a payment can harm your business credit score.
  • You can cancel within the first 14 days. Otherwise, you're committed to making the 12 monthly account fee payments
  • Creditbuilder isn’t a credit card, and you won’t get money from us when you use it.

Representative example

Payments: 12 monthly payments of £5.95
Total amount payable: £71.40
Interest rate: 0%
Representative APR: 0%

We structure Creditbuilder as a loan for the purpose of reporting to credit reference agencies. Remember, you won’t get money from us and it’s easiest to think of Creditbuilder as a payment plan.

Start building your credit score

Add Creditbuilder to your Activeplus account in-app or online. Get answers to your questions about Creditbuilder in our online Help section .

Help Centre