StepUp - what happens after 12 months?

Wow, a year passed already? Great times! ✨

In line with our promise of a seamless and hassle free service, the account will roll over automatically into a new agreement of £84 with fixed £7 monthly payments for another 12 months.

We will continue to report the new balance and payments to the major credit agencies - TransUnion, Experian and Equifax.

You can cancel the credit agreement at any time directly on the app and not be liable to pay off the balance. We would simply report your agreement as repaid early. But please do note – credit agencies look for consistency and the ability to sustain repayments over extended periods.