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*Disclaimer – This is a sponsored post with Polar Credit*

There will be times in life when most of us find we need a little help financially. It may be for a new family car, house renovations or even a much needed holiday. That’s where Polar Credit comes in. They offer flexible credit solutions available quickly and easily whenever you need it.

Polar Credit Line

“When you’re looking for credit, there are so many options these days. From loans, to credit cards and overdrafts… but what really is the best product for you? Maybe you need something entirely new!”

Polar Credit is a direct lender that offers a new solution to your credit needs. Taking the best aspects of other credit options and giving you access to credit in an easy and transparent way. A credit line is an ongoing form of credit, not a loan. It’s a bit like a credit card but without the actual card. If you are approved for a Polar Credit line you can draw funds into your bank account as and when you need them. You can withdraw any amount over £25 and if you don’t use all of your credit limit, you won’t pay for it.

Payday loan alternative

Most of us will know how payday loans work. They are usually taken out to make up for a financial shortfall, they come with pretty hefty interest rates and have to be paid back within a short amount of time. So how is a Polar Credit line different? A Polar Credit line offers you credit when you need it at a much lower interest rate than a payday loan. And with flexible repayment options, they are a great payday loan alternative.

How to apply

Applying for a credit line with Polar Credit couldn’t be easier. Simply fill in their online form and if you are approved you can choose a credit limit that works for you, then transfer funds directly into your bank account.

“We have a transparent and quick application process that uses the latest technology to accurately assess your application and our UK based customer service team is always willing to help.”


Repayment options are flexible with Polar Credit. You can choose to repay the minimum amount, the full balance or any other amount whenever you want to. There’s also no early settlement fees to worry about.

Responsible lending

Polar Credit believe that customers who use their product responsibly should be rewarded with lower cost credit. On the first anniversary of your Polar Credit account opening your interest rate will be reduced by 10% pa. They then continue to reduce the interest rate that you pay by 5% pa every six months until it is lowered to 29.9% pa.

As you all know we are currently renovating our home, with two children in tow and whilst the cost of living is sky rocketing. So it’s reassuring to know that there are flexible credit options available from Polar Credit if there ever comes a time that we need a little help.

For more information head over to the Polar Credit website.

Thank you for reading.


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