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To help you stay on top of your spending

Think Money Ltd is the credit broker for the thinkmoney Credit Card. Capital One is the lender, and they pay us for our services.

How does QuickCheck work?

We review your application with credit reference agencies and check your eligibility for a thinkmoney credit card. Brilliant news!

  • Only you will see the search on your credit file
  • No impact to your credit score
  • Be 100% certain before you apply
What is QuickCheck?

ThinkCard best features

Thanks to its manageable credit limit, it helps you stay in control of your finances. Borrow and spend responsibly.

  • A credit limit between £200 and £1,500
  • One fixed interest rate for all transactions
  • You can add up to three additional cardholders and keep track of their spending, remember, you’re responsible for all the transactions on the account
  • Fast and simple contactless payments
  • It can improve your credit score if used responsibly. However, late payments or going over your credit limit could harm your credit rating.
ThinkCard Features

A card for you?

We’ll still consider your application even if you’ve had defaults or CCJs. We’ve already helped tens of thousands of UK customers get the credit they need, so why not try QuickCheck today?

Psst… you’re more likely to get approved if:

  • You’re over 18
  • You join the UK electoral register
  • You have a history of managing credit

39.9% APR representative (variable)

ThinkCard Features

Common questions

QuickCheck is really quick and easy, and only asks you for basic personal and financial information. To check your eligibility for the thinkmoney Credit Card, we’ll need your address, contact details, employment status, occupation and annual income.

The thinkmoney app allows you to stay in control of your money, any time, any place. It has lots of great features and lets you…

  • Choose your sign in method
  • Check your balance
  • Make secure payments
  • View recent transactions

And the best part? It’s free to download from The App Store and Google Play!

Unfortunately, you can’t. It’s decided for you based on the personal and financial information you give us, and can be anywhere between £200 and £1,500. But don’t worry, your credit limit will be regularly reviewed and you’ll be offered up to two increases a year, if eligible.

You’ll be pleased to know we’ll still consider your application if you’ve got bad credit – even if you’ve had CCJs or defaults. Every lender has their own set of requirements, so just because you may have been rejected by others, doesn’t necessarily mean you’ll be rejected by us.

Yes. However, we do recommend waiting three to six months before trying again. Also if you are applying for credit be careful these are not performing a ‘hard search’ as too many credit applications in a short space of time will impact your credit rating. Use this time to work on improving your credit score and hopefully you’ll increase your chances of being accepted.

Alternatively, you can use Quickcheck to see if you’ll be accepted before you apply. QuickCheck only does a ‘soft search’, meaning no one apart from you will see it on your credit report and your rating won’t be affected.

There are two main answers to this question…

One – it gives you access to a larger and better selection of credit products.

Two – you’ll be able to get better interest rates on credit, making it cheaper for you to borrow.

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