Screenshot of the homepage showing the personal finance management features of the credit building app Portify

Interest-free loans and credit score building for £7/month

Welcome to Portify

A community powered membership that helps you reach financial goals

Button to download Portify on the app storeButton to download Portify on Google Play

Trusted by a community of 30,000+ 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

Interest-free loans with Portify Plus

If you qualify for Portify Plus, you can access an interest-free safety net up to £150, 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 interest-free loans homepage from credit builder app Portify

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 Boost homepage from credit builder app Portify

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 predictor notification from credit score builder Portify

What banks does the Portify app connect to?

At the moment Portify works with these financial institutions. We are constantly adding new providers so do check back:

Starling Bank
First Direct
Marks & Spencer
The Co-operative Bank
Metro Bank
Bank of Scotland
Ulster Bank

Avoid Bank Overdrafts & Improve Your Credit Score
Your Portify Plus membership includes low-balance warnings for maximum financial protection against costly bank overdrafts.
You’ll also have access to additional benefits like interest-free micro-loans. All at no extra cost.

Start Building Your Credit Score Today
Portify builds your credit and provides financial protection. As long as you’re a member, you can build your credit history. You’ll also get low-balance warnings included in your membership.


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.