How to take out and manage your Credit Flex

This guide shows you how to:

Check your Credit Flex eligibility

To determine your Credit Flex eligibility, we look at your company credit score, the revenue and turnover paid into your Tide account, and more.

The minimum amount you can take out for a single Credit Flex loan is £100. The maximum amount, for a single or several combined loans, is not fixed.

See if an upcoming transaction qualifies for a Credit Flex loan in your app:

Tap Pay > Send

Select an existing Payee OR enter the recipient’s details.

If you see Pay with Credit Flex, the transaction is eligible

See if a past transaction qualifies for a Credit Flex loan in your app:

Tap Pay and select a transaction from your timeline

If you see Cover with Credit Flex, the transaction is eligible

You can take out a Credit Flex loan to either make a real-time payment or cover the costs of a past transaction.

Before you take out the loan, you'll need the funds to cover the payment in your main account.

To make a payment in your app:

Tap Pay > Send

Select an existing Payee OR enter the recipient’s details

Tap Pay with Credit Flex

Read and accept your Credit Flex repayment terms including interest

Sign the personal guarantee and confirm the loan

Once the loan is confirmed, the recipient will receive the payment from your main account, while we credit the money back to your main account.

Your monthly loan repayments will start the following month.