Shop groceries,
Build credit,
Simple As that.
Boost your Credit Score while you shop with GroCred
Who we are
Our aim is to make it easy for anyone new to the UK to build a good credit score while shopping for groceries and household essentials.
With GroCred, you determine your credit limit, pay this amount into your GroCred account, and manage it with ease. We add a minimum of £20 to the your start limit you choose, effectively turning your monthly grocery expenses into your credit line. This unique approach not only simplifies your shopping but also helps you build a strong credit history as we report your repayments to TransUnion.
By combining everyday grocery shopping with credit-building opportunities, GroCred empowers you to establish a solid financial foundation and unlock a brighter financial future in the UK.
Benefits of Shopping on GroCred
Large Shopping List to Pick From
Enjoy a wide variety of products, including quality African and UK brand items. From groceries to household essentials, our extensive selection ensures that you can find everything you need in one convenient place.
Fanatic Customer Service
Experience top-notch customer service with GroCred. Our dedicated support team is committed to providing you with an effortless and enjoyable shopping experience. We're always here to help with any questions or concerns you may have.
Build Credit Score
GroCred gives you the flexibility to set your own credit limit, deposit the amount into your GroCred account, and manage it effortlessly. We enhance your chosen limit by adding a minimum of £20, turning your monthly grocery expenses into a practical credit line. This innovative approach not only simplifies your shopping experience but also helps you build a strong credit history, as we report your repayments to TransUnion.
How it works
Create an account
Register with your name email, and phone number.
You‘re in control
Choose any shopping limit that fits your needs. It's your money, your decision - no approval needed.
Shop with confidence
Use your chosen limit to shop for groceries while building credit. Shop online or in-store, just like a regular card.
Flexible Management
Need more shopping power? Simply adjust your limit anytime. Want to stop? Withdraw your money with no penalties.
Build Your Credit Profile
By responsibly managing your GroCred account, we report your payment activity to TransUnion, one of the UK's leading credit bureaus. This reporting can help contribute to building a stronger credit profile over time, potentially unlocking future financial opportunities.
How instalment payments work
All payments are set to the 25th of every month. Users can choose to pay in 2 and split the payment into 2 dates within a month. The second date is set to 25th of the month
Choose how to pay
Pay in full on next payment date
25th November
Pay in 2 instalments £25
£25
Not Set
£25
Not Set
Managing Your GroCred Payment Plan
In your GroCred profile, you can manage your payment plan. The default is 'Pay in Full' on the 25th. Alternatively, you can choose 'Pay in 2' installments and select your own initial payment date.
Nov
3
£25
Autopays in 25 days
Due
16th November
£25
25th November
£25
Payment option
Pay in 2
Post-Payment Plan Setup
Once you've selected your payment plan, you can't change it. However, you can go back and pay any amount early or pay off the full balance early.
Frequently asked questions
01
How will this improve my credit score?
02
How much do you need to spend?
03
What do I earn for continuous patronage?
04
Which stores can I shop from?
05
When do you do delivery?
06
Our Credit Bureau
07
Must I buy a Plan?
08
How does it work?
Choose Your Preferred Start Limit
Why spend your grocery budget elsewhere when you can shop with GroCred, get an extra £20 added to your start limit, and build your credit score - all while buying the things you need
Gold Plan
£299 / one time payment
Credit line of £310 to shop on the platform
Build your credit score through regular usage and repayments
Fantastic customer services
Credit limit can increase to £1,500 based on usage.
Silver Plan
£87 / one time payment
Credit line of 100 pounds to shop on the platform
Build your credit score through regular usage and repayments
Fantastic customer services.
Credit limit can increase up to £900 based on usage.
Basic Plan
£69 / one time payment
Credit line of £79 to shop on the platform
Build your credit score through regular usage and repayments
Fantastic customer services
Credit limit can increase to £750 based on usage.
Partner With Grocred
List your products on GroCred and reach customers looking to shop while building credit
TESTIMONIALS
Don’t just take our word for it
Here's what our userss have to say about their experience with GroCred
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John D.
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Sarah M.
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David S.