Know exactly when you'll be debt-free
We will help build a plan to get you there faster - without a loan or credit check.
Why Incredible?
Most apps tell you what to do. We show you when you'll be done. Incredible gives you a clear, personalised Plan to being debt-free, without taking out a loan or touching your credit score.
See your finish line
A clear timeline to being debt-free. You'll see the exact month and year based on your cards.
Get there faster
The average Incredible customer pays off their cards 10 years faster. We're a plan that actually works.
One simple payment
Tell us us your monthly budget, and we handle the rest - splitting it across your cards automatically.
Who is Incredible for?
Whether you're juggling multiple cards, racing against a 0% deadline, or just want a smarter way to pay down what you owe - Incredible builds a plan around your situation.
Credit is confusing.
Sound familiar?
Juggling multiple credit cards...
We show you which card to pay first, how much and when. We handle everything until you're debt-free.
Running out of time on your 0% deal...
We show you what you need to pay to beat your deadline - or build a plan if you can't.
Don't want another loan...
We'll make progress together with your existing cards, right now. No loans and no credit checks.
A single payment,
for all your cards
Connect to 50+ credit card & payment providers, set up your budget and pay all your credit card bills with just one payment every month.
Pay off your cards nowSet your payoff goals
on autopilot
Whether you’re paying off a card before the promotional rate expires or want to use tried and tested strategies like snowball and avalanche methods, Incredible is the magic pill that can do it for you. Say goodbye to your spreadsheet.
Automate your payoff goalsKnow what you owe
See everything you owe and get notified when payments are due. See all your interest fees and how much your current balance is costing you.
Do more with your money
From finding better ways to refinance expensive debt, to building savings that actually grow instead of sitting still. Once your Plan is in motion, Incredible shows you what to do next so every pound you pay in moves you closer to freedom, not just further into fees.
Safe, secure and simple
No credit check
It's not a loan - we do not do a credit check or report anything to the credit bureau.
Privacy first
Your data is protected with the same encryption and security trusted by global banks.
Instant access
No long forms, no waiting. Connect your cards and see your finish line in minutes.
People think we're Incredible
Don't take our word for it - here's what our customers say.
Emma
Liverpool
Maya
Edinburgh
James
London
FAQs
If there's anything we haven't covered, just let us know at: support@getincredible.com
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.
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!
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, 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.
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. You make a single payment into Incredible, and we'll split it across your cards. We'll handle the rest until your cards are paid off!
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.
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.
We don’t charge any penalties if you miss a payment with us. However, your credit card provider may still apply its own fees.
No. Unlike debt consolidation loans, Incredible doesn't require a credit check or good credit score. We work with your existing cards, regardless of your credit situation.
%201.png)