Incredible is an app that helps you track, pay and optimise your borrowing. We bring everything under one roof and give you the option of different payment strategies to repay your existing credit.

Create an account, connect your credit cards and tell us your budget and preferences for your payments. We'll handle the rest until your cards are paid off!

No, Incredible is not a loan. Our Plan product, provides an alternative method to consolidate payments to all of your cards. This simplifies how you manage and pay off your credit cards, and saves you both money and time. Usually, people decide to take out a consolidation loan from a lender to make it simpler to manage - this is because you would be managing one loan vs. multiple credit cards.
We have built an alternative method to consolidate payments, without taking the loan. Many people still want the flexibility that credit cards offer, or perhaps they are on promotional periods and its still cheaper to use the credit card, rather than the loan. An Incredible Plan makes this possible.

No, Incredible is not a debt management plan. A Debt Management Plan (DMP) is an informal agreement between you and your creditors to help you repay your non-priority debts at a rate you can afford. DMPs are commonly used when you’re struggling to keep up with payments on debts like credit cards, personal loans, and overdrafts, but you can still afford your essential living costs and want to avoid more drastic solutions. This is not what Incredible does or who it is for. Incredible is a tool that provides a simpler way to consolidate credit into one monthly payment, which optimises your credit repayments across all your existing cards. This in turn can save you money in interest fees as well reduce the time it would take to pay off. Please reach out if you have any questions about this.

Your credit score isn't affected as we're not providing you with a loan, we're just helping you make smarter payments. As we help reduce your credit balances, it could potentially improve your score!

We use bank-level 256-bit encryption. We never store any of your banking credentials and we never do anything without your consent! If you have any more questions please reach out to us.

To ensure your payments are handled smoothly, we recommend that you cancel the direct debit with your credit card provider. More info can be found here.

Open banking gives you the ability to connect your financial accounts to services like ours. We use a third party to power our integrations who are trusted by companies like Monzo, Revolut & Chip! More info on open banking can be found here.