Portify helps hard-working people build a financial safety net. Through our membership, we help you build your credit score, access interest-free loans and budget.
We offer two membership tiers:
The Portify Membership
The Portify membership gives you access to our credit building feature, Credit Boost. It helps you build your credit history through a £4 monthly membership fee. During the annual membership, each on time monthly payment is reported to Experian, building up a positive credit history. Building your credit history through positive payment behaviours will help you improve your credit score over time.
The Portify Plus Membership
In addition to all the Portify membership features, the Portify Plus membership allows you to access interest-free loans of up to £150 (Flex Finance), build your credit history through Flex Finance repayments, and Prize Draws. There are no additional or hidden fees outside of your £7 monthly membership.
To access Portify Plus, you'll need to pass our affordability checks. If you pass this process, you'll be able to withdraw interest-free loans up to £150. The amount you can borrow depends on your financial situation.
Paying your £7 monthly membership fee and repaying Flex Finance on time helps improve your credit score. Any late payments could have a negative impact to your credit score and could prevent you from accessing membership features in the future.
Access Interest-Free Loans With Portify Plus
If you qualify for Portify Plus, you can borrow an interest-free loan up to £150.
Automatic Credit Score Boost with Your Membership
We partner with Experian to improve your credit history through your monthly membership fee and Flex Finance repayments. Each membership payment and Flex Finance repayment contributes positively to your credit history. Most people will see an improvement to their credit score after about four months.
Low Balance Predictor
Get instant alerts when your bank balance falls low so that you can plan for upcoming expenses, budget your finances, and avoid expensive fees, like expensive late payment and overdraft fees.
How Does Portify’s Credit Boost Work?
1. Download the Portify app and sign up
2. Pay your monthly membership on time
3. Your monthly payments are reported to Experian. Each on time payment builds positive credit history.
What People Are Saying
“Portify – a holistic credit builder for modern workers with unconventional earnings patterns, Portify’s solution analyzes these earnings and spending behaviours to prevent overdraft and interest payments and offer a fee-free credit line.” - Forbes
“Portify is great. My score went up 30 points after an update on my credit file.” - Kamil, Trustpilot
“Amazing company. It lets me see and control my spending. Memberships are cheaper compared to others I've tried. Boosting credit score a month to boost credit are fantastic. I'm happy that I found a company like Portify who are trustworthy and extremely cheap as well. Thank Portify! :)” - Clare, Trustpilot
“Good product to build up credit. Weekly prize draws. Also very nice customer service. Would highly recommend.” - Mr Artis, TrustPilot
Portify Limited is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Portify Limited is a credit broker and not a lender. Credit facilities are provided by Portify Financial Services Limited (ref. 922751), which is an Appointed Representative of Jeremy Lawrence Limited, which is authorised and regulated by the Financial Conduct Authority (ref. 727863).
Bug fixes and improvements to keep your Portify experience the best it can be.
Ratings and ReviewsSee All
Tandem but amplified
I’ve been using a similar app for years now found it easy to use at first but over time they became too focused on more is better and that rather confused me. Also, they didn’t allow my new bank when I made a switch at that time. Great to see Portify working with them so I am now in total clarity on everything. 5 stars ⭐️ well deserved.
DO NOT USE THIS APP
Been with these guys now for a few months, the access to interest free loans was great, now they’ve changed the way they give out the loans with this new Portify Plus thing, they’ve increased the monthly minimum income threshold to £1200 every month for the last 12 months. I’m sorry but I don’t get how they can change this especially without notifying me first. I paid the full £100 the other day that I borrowed and what do you know, they’ve changed the way how we can get future loans with them... I’ve now got to have £1200 going in every month to get a loan now, but over the last 5-6 months I’ve been with them, they’ve been happy to give me the interest free loan on a income of £1059 per month. Now they change it to £1200
Absolutely disgusting service! Will not be recommending this to anyone.😤
Such a brilliant app and company. For a small business. I feel they have/are doing so much to support everyone. And they also have even more features in the pipeline to support people even more. If you have any problems, the customer service support is fantastic. Quick, friendly responses and they just want to help! DO NOT HESITATE TO DOWNLOAD AND TRY OUT! 👌🏻 10/10 ⭐️
Up to six family members will be able to use this app with Family Sharing enabled.