Specialized
Salary Advance / Fintech Credit
Access earned pay early — rates from 14.9% APR, representative.
Salary advance and fintech credit products let employees access a portion of earned wages or short-term credit ahead of payday, repaid on the next pay cycle. Amounts and terms shown are indicative and subject to eligibility and affordability.
Suited to employed individuals managing short-term cash flow. Indicative borrowing of £100 to £5,000 over 1 to 6 months, with representative rates from 14.9% to 39.9% APR. Indicative pricing — final terms are subject to affordability assessment.
Indicative product information. All financing subject to credit assessment, eligibility, and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Key Terms
- Indicative rate
- From 14.90%
- Amount
- £100 – £5,000
- Term
- Up to 6 months
- Origination fee
- 0.50% of principal
Indicative pricing — final rate subject to credit assessment.
Payment Calculator
Estimate your payments
Adjust the figures within this product’s range to see what you would pay approximately each month — indicative only.
Monthly payment
You would pay approximately
£51.56 /month
- Total repayable
- £206.24
- Total interest
- £6.24
Indicative and illustrative only — this is not an offer or a quote. Final amounts are subject to credit assessment and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Eligibility
Who can apply
UK resident, 18+, employed with regular income, completed KYC, subject to affordability assessment.
FCA-regulated through Goldcrest Financial Planning Limited (FRN 810649). Subject to credit assessment and underwriting standards.
How to apply
From account to decision in four steps.
Open an account
Register in minutes and choose a loan customer account.
Complete KYC
Verify your identity digitally — passport, licence, or proof of address.
Submit application
Apply for this product with a guided, fully digital form.
Receive decision
Our team reviews your application and returns an indicative decision in days.
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