What's the point of Zero-credit?

We all use personal finance and most of us are borrowers too. Zero-credit formed as co-operative in August 2010 to trade in research and development for personal finance, so that borrowers can have a say in financial products and services. We believe in  consumers and professionals making informed choices together.

We work with very little money, investing every penny of profit in creditfree tools for visitors to this site. It costs £1 to own a share in our coop. All we ask is that you are aged 16 or over and have personal experience of borrowing. This gives you a say in our work, whether that's running it, or contributing to it, as staff or volunteer.

A strong consumer voice

Our independence is valued by opinion leaders like the Centre for Responsible Credit and more than 40 professionals subscribe to our work.


  APDSI   Brixton Advice Centre   Bristol Debt Advice Centre
       Debt Support Trust   DEMSA   Experian   Debtology
   Help Me To Save   Moneysupermarket    MyBnk    Payplan
     R3   Save Our Savers   The DRF    ThinkMoney   Which?


We wish you safe and secure browsing, free from advertising and sponsorship. Every link we share is a genuine Due Credit for meeting our Borrower's Charter. So, if you like what you see, please join us!

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Making informed choices together

We're small and overstretched at times, yet we're respected for our honesty, and punch well above our weight. You are likely to see more of us as time goes by.