Funds Ready
Before Life Hits.

Life moves fast. Your money should too. PocketLine is a flexible, personal credit line that sits ready on your account—before an emergency strikes. Forget reapplying for loans every time you need cash. Your safety net is instantly accessible via transfer or card.

Check My Eligibility (No Credit Score Impact)
Happy young professional checking phone with relief

£1,500 Added to PocketLine

Ready to use.

Not a Loan. Your Financial
Safety Net on Standby.

It's not a traditional loan you take out once and repay. PocketLine is a personal line of credit stored digitally—ready and waiting for the moment you need it.

Flexibility First

Access between £50 and £3,000, depending on your eligibility. Your limit is there when you need it.

Zero Friction Access

One approval gives you access for life. No new forms, no re-checks, and no waiting when you need cash fast.

Only Pay for What You Use

You only pay interest on funds you actively move and use. If it sits unused in your line, it costs you nothing.

💡 The PocketLine Rule:

Use as much or as little as you need. Pay interest only on what you use.

Three Steps to Instant
Peace of Mind

Get set up once, and your funds are ready whenever life throws a curveball.

Apply & Get Approved Once

Complete our fast online application. We use a soft check so your credit score stays safe. Get your ongoing limit determined in minutes.

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Withdraw Anytime, Anywhere

Emergency strikes? Move funds instantly from your PocketLine to your linked card or bank account. Pay for that urgent expense immediately.

Repay, Recharge, Reuse

Repay what you borrowed on a flexible schedule. As you repay, your available credit "recharges," and your access stays active for next time.

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Ongoing Access Note: Your account stays active even after full repayment. Your financial safety net is always deployed.

Real Life. Instant Solutions.

PocketLine is built for the moments when you can't afford to wait.

The Unexpected Mechanic

The Problem: Your car needs £450 in repairs today, but payday isn't until next week.

The PocketLine Fix

Instantly tap and transfer the £450 to your account. The repair is paid, your week is saved, and you repay comfortably later.

The Emergency Vet Bill

The Problem: Your pet needs an urgent procedure costing £280. Totally unexpected.

The PocketLine Fix

Move the funds instantly. Focus on what matters most—your pet's health—instead of payment stress.

Critical Gear Failure

The Problem: Your work laptop dies. You need a replacement immediately to keep working.

The PocketLine Fix

Use your available PocketLine funds to cover the cost of the replacement right now. Life keeps running smoothly.

The PocketLine Difference:
Fast, Flexible, Fair.

💳 Pocket-Ready Access

Move funds directly to your card or registered account.

💸 £50–£3,000 Range

Use a little or a lot—your limit flexes to your needs.

⏱️ No Reapplying

One approval is all you ever need for ongoing access.

⚡ Instant Transfer

Funds are moved and ready to spend in seconds.

🏷️ Pay Only On Use

Zero cost until you actively activate and use your funds.

🔄 Flexible Repayment

Manage repayments on schedules that work for your budget.

Don't wait for life to go wrong.
Get prepared today.

Your Questions. Clear Answers.

No. PocketLine is a personal line of credit, not a one-time loan. Think of it like a financial safety net that sits ready in your account. You're approved once and can access funds whenever you need them—without reapplying. You only pay interest on what you actually use, and as you repay, your credit line recharges for future use.
Absolutely not. That's the beauty of PocketLine. After your initial approval, you have ongoing access to your credit line. No more paperwork, no more waiting, no more stress. When life throws you an emergency, your funds are ready to transfer instantly—no questions asked.
No, it won't. We use a soft credit check during the eligibility process, which means it won't impact your credit score at all. You can check if you qualify with complete peace of mind. Only when you formally accept your PocketLine and activate it will a full credit check be performed.
Yes! PocketLine is designed for repeated use. Once you repay what you've borrowed, your available credit automatically recharges. Your account stays active indefinitely, so you always have that financial safety net ready—whether it's once, twice, or ten times. It's your ongoing financial backup plan.