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A radically new way to pay later

Split any* payment you’ve made in the past year into instalments with Curve Flex. Free up money instantly and rework your budget at a moment’s notice – in just one swipe.

14.2% APR Representative

*Exclusions apply, please see our FAQs for more information.

Scan the QR code with your phone camera to download Curve

How it works

Swipe on any* payment you’ve made in the last 12 months. Split into 3, 6, 9 or 11 monthly instalments and we’ll refund you the original amount. Sit back Depending on the repayment day you chose, your first repayment will be no less than 30 days after you take out a loan, and then monthly. We’ll remind you so you never miss a repayment.

*Exclusions apply, please see our FAQs for more information.

Flex appeal

Free your money Flex lets you free up money you’ve spent in the past to meet your present and future financial needs. Free your mind Stress less about unexpected expenses knowing you can reshuffle your budget with a simple Flex. Flex > credit card Pay lower interest rates than a typical credit card or overdraft,* know your repayments upfront and avoid the hidden costs that often come with other forms of credit.

*Our representative APR for our 9 month loan is 14.2%APR (fixed).

What you see is what you pay

Know upfront exactly how much your Flex plan will cost and how much you’ll repay each month. If something goes wrong with your repayment, we’ll give you 7 extra days to pay – no fees added. Please note that should you not make payment within the 7 extra days you may incur a £6 late payment fee.

Any brand, any price

Most financial services are tied to certain brands or retailers. But not Flex. You can split almost any purchase, bill, or travel expense* into instalments and free up cash for whatever you need. You’re in control.

*Exclusions apply, please see our FAQs for more information.

What about my credit score?

We’ll run a soft credit search when you apply for Flex. This won’t affect your credit score or report. When you take out your first loan, a hard search will appear on your report which lenders can see. This can cause your score to change, but making your repayments on time will usually improve your score.

Scan the QR code with your phone camera to download Curve

You are introduced to Curve Credit Limited by Curve UK Limited, which is a credit broker and not a lender. Curve UK Limited is an introducer appointed representative of Curve Credit Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number: 925447). If you wish to apply for Curve Flex, you consent to Curve UK Limited introducing you to, and sharing your personal information with, Curve Credit Limited. You can find further details about how we process your personal data in our Privacy Policy. Curve Flex is available for UK residents only and is subject to creditworthiness and affordability checks. Terms and conditions apply.

The Curve Card, Samsung Pay+ and the E-money related to these cards is issued in the UK by Curve UK Limited, authorised in the UK by the Financial Conduct Authority to issue electronic money (firm reference number: 900926). The Curve Card and Samsung Pay+ are issued pursuant to license by Mastercard International Inc. Mastercard® is a registered trademark of Mastercard International Incorporated.

Curve Credit Limited (company number: 12464458) and Curve UK Limited (company number: 09523903) are registered in England and Wales, United Kingdom and located at 1-10 Praed Mews, Tyburnia, London W2 1QY, United Kingdom.


Curve UK Ltd, registered in England and Wales, #09523903 Copyright - 2023 © Curve UK Limited.

The Curve Card, the Samsung Pay+ and the E-money related to these cards is issued in the UK by Curve UK Limited, authorised and regulated by the Financial Conduct Authority to issue electronic money (firm reference number 900926). Curve UK Limited is registered in England and Wales, United Kingdom (company reference number: 09523903) and located at 1-10 Praed Mews, London, W2 1QY.

Curve Flex is provided in the UK by Curve Credit Limited. Curve UK Limited is an introducer appointed representative of Curve Credit Limited, which is authorised and regulated by the Financial Conduct Authority (firm reference number 925447). Curve Credit Limited is registered in England and Wales, United Kingdom (company reference number: 12464458) and located at 1-10 Praed Mews, London, W2 1QY.

The Curve Card and the e-money related to cards issued in the EEA is issued by Curve Europe UAB, authorised in Lithuania by the Bank of Lithuania (electronic money institution license No. 73 issued on 22 of October, 2020). The Curve Card and Samsung Pay+ are issued pursuant to license by Mastercard International Inc. Mastercard® is a registered trademark of Mastercard International Incorporated. Curve Europe UAB is registered in Lithuania (company reference number: 305626541) and located at Jogailos g. 9, LT-01116 Vilnius.