For the first time ever, build your credit score with friends and family. No fees and no credit checks. .
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.
Decide how much you need to borrow and how long it will take you to repay.
Add in the details to create a loan agreement & send it to someone in your contacts.
Open the loan agreement & review the terms. Once everyone is happy accept the loan.
We'll handle the rest. Just watch your repayments to friends & family build your credit score.
Absolutely! Punk Money is completely free to use for borrowers and lenders.
We never touch your money. We just facilitate the contract between the lender and the borrower.
Whether you want to borrow £20 for a cash top up or £10,000 for something more substantial, Punk Money has got your back.
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.
Join the 8k+ people who have already signed up.