The smart way to build better credit

Aqua's safe and fast eligibility check matches your answers to a few simple questions with a set of lending conditions. This is called a 'soft search' eligibility check which doesn't impact your credit score. We can then tell you how likely it is that we'll be able to accept you before you apply. It's free and it takes just a few moments.

As a responsible lender, we take a close look at applications for credit. Our mission is to help customers who need access to credit and want to start improving their credit score. Subject to credit checks, an Aqua card could be yours even if:

• you're self-employed and unable to prove a regular income
• you've been affected by a CCJ (other than in the past 12 months)
• you work part-time
• you're a student
• you're new to credit
• you've not had a credit card in the UK before
• you've been turned down for credit in the past
• you're on a lower income

Smart credit limits are credit limits personalised to you, starting from £250-£1,500. Your credit limit adjusts as we get to know you and could even grow over time if you manage your account well.

Aqua has helped hundreds of thousands of people improve their credit score. With access to a team of experts and an app that supports you on your credit building journey, you'll have help and support when you need it.

Aqua customers get exclusive access to Aqua Coach, with hints and tips to improve your score. Plus, track and understand movements in your credit with free score updates and score simulator.

Aqua is here to help you stay in control and keep your credit journey on track. Using your Aqua credit card responsibly, by making payments on time and staying within your credit limit, could help you on your journey to building better credit.

Aqua is issued by one of the UK’s leading specialist credit card providers. We provide credit cards to those customers who are not served well by the high street banks. Fundamental to our success is the provision of affordable lending with fair and transparent pricing.

• We are based in the UK with local customer service agents who are happy to help
• We look at applications for credit carefully and base our decisions on your circumstances
• We could help you improve your credit score, and as a responsible lender we can provide you with tools to help you stay in control of your finances