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About UsPolar Credit

When you’re looking for credit, there are so many options these days. From loans, to credit cards and overdrafts... but what really is the best product for you? Maybe you need something entirely new!


We've created Polar Credit to take the best aspects of all the other options and provide you with access to credit in a fast, easy and transparent way. We took a quick and easy application process and added a fair interest rate, with the ability to access cash as and when you want. You apply online, and once approved, you are given a credit limit from which you can transfer funds into your existing bank account to be used as you wish. Your credit line is paid back via monthly repayments, much like credit card repayments, and you can access more cash as and when you need it, subject to remaining within your credit limit and complying with the terms of your credit agreement.

Representative Example: Amount of credit: £1200, interest rate: 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable) is a site operated by APFIN LTD trading as Polar Credit. We are a direct lender and a private limited company registered in England and Wales with company number 07989136. Our registered office address is 3rd Floor, 12 Gough Square, London, EC4A 3DW.

APFIN LTD is authorised and regulated by the Financial Conduct Authority (FCA) and has permission from the FCA to carry on a consumer credit business and is on the Financial Services Register (FCA reference number 673186). You can contact the FCA at or 12 Endeavour Square, London, E20 1JN.