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Your hours can change, but your life doesn’t have to.

Access money with ease when you earn less than normal. Repay over time and build your credit score for free. Open your account in minutes.

Wollit is a new kind of financial backup service for people living a new kind of work-life. We take away some of your everyday money stresses so you can live a smoother life.

You get:

1. Interest-free cash top-ups when you need them most
- Get 0% interest flexible loans when you earn less than normal. Pay them back only when your income improves. Avoid expensive overdrafts and payday loans!

2. Credit score building each month
- Build your credit history just by being a member of Wollit. Boost your credit file each month. The longer you’re a member, the better your credit score could be.

3. Money manager made specifically for flexible workers (coming soon!)
- The only budget app and spending tracker made specifically for people with flexible income! Budget and plan with confidence, get real-time alerts and spending insights.

►►►Perfect for modern workers: freelancers, zero-hour workers, agency staff, part-time workers, contractors, self-employed and commission earners welcome!◄◄◄

How it works

1. Apply in minutes
2. We’ll calculate your average income
3. Get interest-free cash top-ups when you earn less than it.
4. You only need to repay your cash top-ups when you earn more than it.
5. Each month we report your usage to a credit agency which helps build your credit history and boost your credit score.

Key Benefits
►Access to cash when you need it most◄
Get interest-free and flexible loans when you fall short with your income. Avoid expensive payday loans and overdraft.

►Easy credit score building◄
Build your credit history automatically each month with Wollit. Get a better credit score just by being a member.

►Feel more secure◄
You’ll know exactly how much money you can count on each month and worry a bit less about your finances.

►Budget and Plan with Confidence◄
Take uncertainty out of your budget. Plan your personal finances with confidence and reach your goals.

►Designed and personalised just for you◄
Flexible loan repayments tailor-made to your exact personal and financial circumstances.

►Simple and affordable◄
Zero interest loans and no extra charges. All services included within a simple fixed monthly fee.

Important information:
When you apply, we do a credit check. However, we evaluate your score and history based on our own criteria. This means that we can often extend our service to you, even if traditional banks or lenders have refused.
During your application, we’ll ask you to connect your main bank account. This is a completely safe and secure process and helps us to check your income and see when you need a cash top-up. Our service is subject to status and affordability. You must be earning a monthly income to apply.

Why Trust Us
We are fully authorised by the Financial Conduct Authority.
We are backed by one of the world's largest banks.
We care deeply about your financial wellbeing.

About Wollit
Wollit is a technology company that builds financial products for people living a new kind of work life. Shift workers, freelancers and gig workers use our software to stabilise their income, build their credit and keep on top of their money - so they can enjoy a smoother life.

Wollit Ltd is Registered and Incorporated in England and Wales, company registration number 10687003.

Wollit is Authorised and Regulated by the Financial Conduct Authority For Consumer Credit. Wollit is also Registered with the Financial Conduct Authority as a Payments Institution for the Provision of Payment Services. Firm Reference: 781247

Wollit - for a smoother life.

What’s New

Version 1.4

Updated design, improved onboarding flow. Lashings more smoothness.

Ratings and Reviews

4.2 out of 5
37 Ratings

37 Ratings

Kayleigh Ferris ,

Non-judgemental and great service!

There are no questions asked as to why, and no customer is better is better than another.
After being hospitalised I was worried how I would make ends meet but this month that little extra too up has helped me worry less.
Thank you!

Developer Response ,

Kayleigh thanks for such a lovely review. We hope you're feeling better now.

tttev ,

Be aware

They looking dodgy almost scam like. They have very few banks you can connect.
They offered me 1.000 promise income while my income is double that amount. But my business account is not available to connect so I offered them bank statements showing income 2.400 and a drop in April and May due to lock down (£1.000) and they said they offer 1.000 promise cause of that and to pay and they’ll reviewed it in 3 months again. Meaning to pay them knowing they’ll never offer me a penny. Why would I pay for that? I’m an IT engineer not a minimum wage worker. Sorry lockdown happened and reduced the working days in half those months but at least I was working while 60-70% of ppl was having 0 income those 2 months. Beware could easily be a scam and by the time you realise it will already taken 30-50£ from each of us. With the fake promise of increasing it in the future. When I offered proof that what they offered is baseless(more than 6 months statements) they took the 1000£ income promise offer of the table, rejected the application and stopped answering to emails. Classic scam tactic right?
UPDATE: I see, even tho I left you alone to do what you doing, you want round 2. Don’t call me this time tho cause if you do, you won’t like it

Developer Response ,

Whilst we cannot comment on the specifics of your application we fully reject the assertions you make.

Our Customer Success team has been proactive in explaining the reasoning behind the amount of the Income Promise we could offer you based on your recent earnings.

We hope you find a company who can give you exactly what you are looking for.

Shake skl amandine ,

Lifesaver. Recommended.

Friend at work mentioned this app to me. Registered and applied. Got my income promise. And forgot about it. Few weeks later got a message that I had a cash topup available if I wanted it. Said yes. Money arrived right away. Really sorted me out.


Wollit Ltd
48 MB

Requires iOS 10.0 or later. Compatible with iPhone 5S, iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, iPhone SE (1st generation), iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X, iPhone XS, iPhone XS Max, iPhone XR, iPhone 11, iPhone 11 Pro, iPhone 11 Pro Max, iPhone SE (2nd generation), iPhone 12 mini, iPhone 12, iPhone 12 Pro, iPhone 12 Pro Max, iPad Air, iPad Air Wi‑Fi + Cellular, iPad mini 2, iPad mini 2 Wi‑Fi + Cellular, iPad Air 2, iPad Air 2 Wi‑Fi + Cellular, iPad mini 3, iPad mini 3 Wi‑Fi + Cellular, iPad mini 4, iPad mini 4 Wi‑Fi + Cellular, iPad Pro (12.9‑inch), iPad Pro (12.9‑inch) Wi‑Fi + Cellular, iPad Pro (9.7‑inch), iPad Pro (9.7‑inch) Wi‑Fi + Cellular, iPad (5th generation), iPad (5th generation) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (2nd generation), iPad Pro (12.9‑inch) (2nd generation) Wi‑Fi + Cellular, iPad Pro (10.5‑inch), iPad Pro (10.5‑inch) Wi‑Fi + Cellular, iPad (6th generation), iPad (6th generation) Wi‑Fi + Cellular, iPad Pro (11‑inch), iPad Pro (11‑inch) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (3rd generation), iPad Pro (12.9‑inch) (3rd generation) Wi‑Fi + Cellular, iPad mini (5th generation), iPad mini (5th generation) Wi‑Fi + Cellular, iPad Air (3rd generation), iPad Air (3rd generation) Wi‑Fi + Cellular, iPad (7th generation), iPad (7th generation) Wi‑Fi + Cellular, iPad Pro (11‑inch) (2nd generation), iPad Pro (11‑inch) (2nd generation) Wi‑Fi + Cellular, iPad Pro (12.9‑inch) (4th generation), iPad Pro (12.9‑inch) (4th generation) Wi‑Fi + Cellular, iPad Air (4th generation), iPad Air (4th generation) Wi‑Fi + Cellular, iPad (8th generation), iPad (8th generation) Wi‑Fi + Cellular and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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