A person sets a boundary
They choose a delay or a block for the products that cause them difficulty. The delay length is theirs to set, not fixed by us.
A self-exclusion register for consumer credit
A shared pause before new credit is approved.
Credit Stop lets people set their own delay or block on the credit products that give them trouble. You check that choice with us before approving an application.
01Chosen by the person
02Checked before approval
03Minimum signal returned
04No PII, ever
For lender partners
Built to sit before the credit decision.
Credit Stop is a pre-commitment layer. A person sets the friction in a calm moment. A lender checks that choice before approving a relevant credit product.
The lender checks
The check happens upstream, before an application is approved.
Credit Stop returns a flag
PASS, DELAY, or BLOCK. Enough for the lender to act, without disclosing the reason behind it.
Why partner with Credit Stop
Turn a personal safeguard into practical protection.
Credit Stop gives people a way to set boundaries around the credit products that can cause them harm. Checking those boundaries before approval lets lenders protect vulnerable consumers at the moment it matters, without receiving balances, transaction history, or the reason behind the choice.
Explore a lender partnership →How it works
Three flags. One fixed sequence.
PASS
No active boundary for this product.
DELAY
A cooling-off window is active, length set by the person.
BLOCK
A boundary the person set is being honoured.
Lender integration
A small response with a specific job.
The exchange is limited: confirm the applicable flag so the lender can follow the agreed handling path. DELAY carries the length the person chose, in hours.
GET /v1/check
{
"flag": "DELAY",
"delay_requested_hours": "<person-set>"
}Lender partnership enquiries
Let's put a useful pause into credit applications.
If you're exploring consumer-duty safeguards, credit self-exclusion, or a potential pilot, we'd like to hear from you.
partnerships@credit-stop.uk