For the first time ever, build your credit score with friends and family. No fees and no credit checks.
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.
Build a loan agreement on Punk Money in seconds, then send to the other person for them to review.
If everyone is happy with the terms, just sign the agreement and connect your bank account and our platform will do the rest.
Building your credit score is essential to secure your future. Giving you the freedom to borrow affordably and secure a mortgage. We help you build up your credit history with your friends & family so you can take your first steps onto the credit ladder.
Borrow money from your friends & family from 0%. Make your repayments and watch your credit score grow. This is the most flexible way to start boosting your credit score. No banks. No third parties. Just the people you trust.
No one likes awkward money conversations. Punk Money puts an end to these. Set up the loan and the automated repayments will handle the rest.
Punk Money has been designed to make borrowing and lending money between friends and family simple, fair and transparent - keeping your relationships intact.
Friends and family can be the most affordable and flexible source of finance for personal loans. But the awkwardness involved and the negative effect they can have on relationships push people towards more expensive banks, credit cards and high-cost lenders.
We are the solution - in just a few minutes, you and your friend or family member can create a loan and sign a legally binding contract.
Borrowing or lending money between people you know isn’t easy. You have to agree on the terms, keep up with the payments and rely on the trust you have. We take the hassle out of the loans, giving you your time back and keeping things more secure.
Here are some of the reasons you should use us:
- It takes the hassle out of lending to people you know
- We handle all the paperwork, creating you a legally binding contract
- No credit checks
- Improves your credit score
It’s simple. Just enter your and the other parties' details into our loan builder, and then sign the loan contract on our platform. The loan agreement will then be sent to the other party to agree and sign.
Nope. Whether you need a small cash top-up from £100 until payday or £100,000 for a house, you can use the platform to set up and manage your loan.
Check out our full FAQs for more information
Make repayments without the awkward conversation. Putting an end to awkward convos.
The easiest way to create a loan contract to add a layer of security to your friendly loans.
Removing the barriers to building your credit score. Helping everyone get on the credit ladder.
Ditch the calculator. Add interest to friendly loans in one click.
Put the spreadsheet away. See the upcoming payments in one easy view.
No long applications to get started, Just enter a few details and confirm your ID.