Rating based on 13 reviews

Safety Net Credit


  • Personal loans up to £500
  • Low-interest starting from 68.7%
  • Repayment up to 40 days

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Safety Net Credit homepage

Author Safety Net Credit. Screenshot of Safety Net Credit website. [Accessed May 11, 2020]

About Safety Net Credit

A financial safety net and access to credit when you need it most are exactly what we offer our clients.

Our fast loans offer flexible affordable financial solutions of between £500 and up to £1,000 that can be transferred into your account within 15 minutes.

Our Safety Net Credit can be linked to your current account and can be used on revolving bases. Use our mobile app to access your money or make payment transfers. The APR% is charged at 68.7% and the repayment terms are very flexible.

Smart technology helps process your application quickly

We use the latest technology to streamline the online loan application process and run our affordability checks and verify your details. To help you keep track of your account we provide daily balance tracking. This process allows us to see how much you can afford to borrow and how much your monthly expenses are.

Smart ways to repay your account

To make it easy to repay your loan you can make a manual repayment anytime or if you are scared you will forget to pay your account on time, then you can select to have a direct debit set up on your account.

Our online personal loans work in the same way as an overdraft facility, as you repay your loan you will be able to access the funds on a revolving base.

Set up a maximum credit limit that you can afford and once you reach that limit we will send you a notification.

Safety Net Credit Services

To keep your personal information secure we use the latest encryptions and technology.

To make paying your loan into your account easy and repaying your personal loan even easier we will link your SafetyNet credit onto your existing account so that you can access it whenever you need it. This money can then be used without any restrictions and once you repay a portion of the loan the money will become available to use as a revolving line of credit.

Tools to help you manage your money better

Educating yourself will help you make better financial decisions and understand your money better.

Request your free credit report and make sure that all the details listed on it are correct and up to date. Your credit report will show you your financial history and track your payments and spending habits. Each time that you pay your bills late, or skip a payment on your store or credit card it will affect your credit report.

Our helpful graphs will help you see the bigger financial picture and show you exactly what you are spending your money on and how you can cut back and save.

Loans requirements include:

  • You must be at least 18 years old to apply and a resident of the UK
  • You need a salary and a regular income
  • You need to have access to internet banking and an active bank account

You will need to perform a credit check and show us that you are able to afford payments on the loan.

Safety Net Credit Product Details

  • Loan Type Personal loans
  • Interest Rate from 68.7%
  • Loan Amount up to £500
  • Repayment 5 days to 40 days

Benefits of Safety Net Credit

  • A transparent loan service
  • No extra cost or hidden fees
  • Get a free app to help you manage your money

At Safety Net Credit you can get an affordable and quick personal loan

Our personal loans are different as they are linked onto your existing account, the safety net can kick in at any time that you need it.

As your account balance becomes lower we will monitor your account and when it gets too low.  We will automatically transfer you the agreed upon amount so that you have the money that you need before you fall behind on your bills or run out of money before the end of the month.

The best part is that you will only be charged for your SafetyNet online payday loan on the days that you borrow money. Make payments anytime from your app dashboard. Raise or lower the amount that you would like to borrow to have quick access to your cash.

Repaying your SafetyNet loan

As this is a revolving line of credit there is no set date by when the loan needs to be repaid by, instead, a minimum monthly repayment will allow you to access this credit on a revolving base.

Our personal and bad credit loans were designed to give you quick access to your cash whenever you need it.  The quicker you pay back a portion of the loan the less interest you will be charged.

Making sure you stay under the limit

As a revolving line of credit can be dangerous if you don’t make smart money choices our system will do credit checks and track your spending to ensure that you don’t fall behind or cause yourself additional financial strain.

If you are unable to afford the amount that you were initially granted due to new expenses or unexpected circumstances you can apply to have the top-up amount lowered.

In order to have access to your short term loan, you will need to make the necessary minimum monthly payments and have your salary paid into your account each month.  

If you want to cancel your line of credit and remove the SafetyNet from your account simply give us a call and we will be able to assist you.

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Safety Net Credit is a trusted & reliable provider of personal loans

In our review, Safety Net Credit adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Safety Net Credit is a registered credit provider in the UK; FCA number 715525

Customer Reviews & Testimonials

Totally online application and approval, great for busy people!

Thurstan S
— London —

It is very convenient that I can set up monthly auto-pay so I don't forget to pay off my installment!

Alicia S
— Leeds —

Safety Net Credit has allowed me to do things I have never been able to do like to go on a holiday with my family and better manage my money thanks to their online resources.

Sedgwick M
— Birmingham —

Safety Net Credit Contact Details

Physical Address

Postal Address

  • PO Box 1515, High Wycombe, HP11 9JE, UK

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 09:00 – 17:00
  • Sunday – Closed