Credit score building and interest-free loans

Welcome to Portify

A community powered membership that helps you reach financial goals

screenshot of Portify app homepage

Trusted by a community of 20,000+ members


Portify is great. My score went up 30 points after an update on my credit file.



Matt H

Love this app - really helpful. Nice to see my predicted expenses. Weekly quiz is great too


Google Play Store


Portify is a great product to build credit and has super fast support!



Francesca F

Haven't been with Portify long but they help me look at my finances across al accounts and direct debits. They quiz me on finances, give me bonus money off and lend it i'm a little short of money that month!


Apple App Store

Automatic credit score boost with your membership

We partner with Experian to improve your credit history through your monthly membership fee.
Learn More

The longer you're a member, the more credit history you build. Boost your credit score without a credit card.

screenshot of credit score boost page in the Portify app

How Portify builds your credit score


Download the Portify app and sign up

Join 20,000 Portify users and sign up in less than 5 minutes.


Pay your monthly membership fee on time

We deduct each payment securely from a bank account of your choice.


Each on time payment builds credit history

We report your monthly payments to our partner, Experian. Learn More

Interest-free loans with Portify Plus

If you qualify for Portify Plus, you can access an interest-free safety net up to £250, and protect yourself from sudden expenses. Loan repayment dates are clearly laid out and easy to understand.

As a Portify Plus member, we protect you from unexpected bills that put you into your overdraft or push you to taking out payday loans that can damage your credit score.

There are no hidden fees, beyond your regular monthly membership fee.

screenshot of Flex Finance page in the Portify app

Low balance predictor

Get instant alerts when your bank balance falls low, and avoid going into your overdraft.

Portify members use our app to better plan for upcoming expenses and avoid costly fees.

screenshot of 'low balance predicted' message
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Achieve Financial Stability & Independence

Portify is much more than a personal finance app. We care about your financial strength and will help you take control of your finances and provide actionable tips to build a financial safety net.

Whether your goal is to build your credit to purchase your first home or to get yourself out of debt, our flexible no-interest financing is here when you need it most.




Portify Plus


per month


per month
Low balance alerts
Track your recurring bills
Financial wellbeing quizzes
Share your membership fee payments with Experian to build your credit score
Prize draws
30-day interest-free financing
(up to £250)
Share your interest-free financing repayments with Experian to build your credit score

Members must pass our affordability checks to qualify for Portify Plus

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IASME certified

We are IASME Cyber Essentials certified. Our systems are routinely penetration tested by external security firms.

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FCA Authorised

Portify is authorised and regulated by the Financial Conduct Authority under firm registration number 828125/826665.

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Bank-grade security

Your data stored with Portify is secured using AES 256-bit end-to-end encryption.

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Read-only access

We only ever have read access to your banking and financial transaction data. Portify cannot access or move your money.