Build your credit score. Without barriers.

For the first time ever, build your credit score with friends and family. No fees and  no credit checks.

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App letting you lend and borrow money with friends and family.
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 man happy he can build credit for free.

A new way to build your credit score

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.

Build credit on your terms.

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.

A friend laughing that there's no more awkward conversations.

No fees. No barriers.

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.

Common Questions

We've got you covered

How does Punk Money work?

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.

Why would I want to use Punk Money?

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

How do I create a loan?

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. 

Is there a minimum I can borrow?

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

Remove the hassle from friends & family loans.

Automated Repayments

Make repayments without the awkward conversation. Putting an end to awkward convos.

Loan Contract

The easiest way to create a loan contract to add a layer of security to your friendly loans.

Build Credit

Removing the barriers to building your credit score. Helping everyone get on the credit ladder.

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.

Learn more about building credit👇

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