In Friendship
We Trust

Credit building loans with people you know

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You'll pay
£0.00 / Month

Total repayment £0.00

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How it works

3 steps to affordable finance

Women happy to borrow from her friends.
1. Start with a chat

Begin by talking about the loan with your friend or family member, discuss the terms of the loan openly and decide what will be affordable for you both.

Women set up loan agreement with friends quickly.
2. Make the loan in seconds

Build a loan agreement on Punk Money in seconds, then send to the other person for them to review.

Friends sharing money between each other.
3. Just sign and relax

If everyone is happy with the terms, just sign the agreement and connect your bank account and our platform will do  the rest.

A friend borrowing money from another friend.

Why use Punk Money?

We all need to borrow money sometimes. Whether it's a  top-up 'til payday or a deposit for a home.

There's no one better to turn to than your friends and family when you're in a tough spot. But asking the people you know for money has never been easy.

That's where we come in. You can set up loans with friends and family in minutes.

See how it works👇

What people say

“A great way to borrow cash in an emergency, just a quick loan from a mate, when you need it.”
NHS Nurse
"I kept getting turned down for credit cards and loans because I had a rubbish credit score. I used Punk Money to borrow money from my sister instead, it was much cheaper and now my credit score is improving."
Landscape Gardener
“We borrowed money to pay for our wedding and are saving a fortune compared to borrowing from a bank.”
Rob & Amy
“I’d been lending money to friends for years, now it’s all recorded and I’m actually getting paid back.”
Web Developer
“I like being there to help out my friends when they need it, I like that I can add interest so that I’m not out of pocket due to inflation.”
Business owner
I borrowed money from my parents for a house deposit, so I’m on the housing ladder now without spending years saving up for a deposit
IT Manager

Get support from your friends and family, without the headache.

No credit check required - you can get started in minutes.
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Punk Money app to borrow and lend money.

Build your credit score by borrowing from mates

Improving your credit score by borrowing money from someone you know could sound a bit too good to be true. But, that's exactly can happen with a Punk Money loan. Borrow money from a friend for whatever you need, let the platform manage the repayments and watch your credit score grow! 

Explore borrowing
Man jumping that he got a good loan.
Two women happy they can lend money to each other.

Lend your money with confidence

Helping your friends and family with an affordable loan feels great. But the hassle involved often gets in the way. Now you can help the people you love without the fuss.

Borrow affordably

When you're in a tricky spot, the last thing you need is getting ripped off for loans or credit. Turn to the people around you instead and start borrowing money on your own terms.

See our pricing
women sharing money with her friends.

The win-win way to get repaid

If you've ever lent money to a friend and haven't been repaid you'll know how frustrating it is. Punk Money could be answer you are looking for. Not only will the platform automate the repayments and let you add interest it'll also help improve the borrowers credit score so its win-win from both sides.

The hassle free way to share money with friends & family.

Automated Repayments

Putting an end to awkward conversations with instant automated payments.

Friendly loan contracts

All clear and above board. Add a simple layer of security to your friendly loans

Build your credit score

Removing the barriers to building your credit score. Helping everyone get on the credit ladder (coming soon)

Easily add interest

Ditch the calculator. Add interest to friendly loans in one click.

Manage all in one app

Put the spreadsheet away. See the upcoming payments in one easy view.

Get started in minutes

No long applications to get started, Just enter a few details and confirm your ID.

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