A person sets a boundary
They choose a cooling-off window or authorisation gate for the products that cause them difficulty.
A self-exclusion register for consumer credit
A shared pause before new credit is approved.
Credit Stop lets people set their own cooling-off windows and credit boundaries, so a decision made in a calm moment can be respected when they apply. We are inviting lenders to integrate the check at the point of application.
01Chosen by the person
02Checked before approval
03Minimum signal returned
04Calm, consistent language
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 is designed to happen upstream, before a credit application is approved.
Credit Stop returns a flag
PASS, DELAY or BLOCK gives the lender enough information to act, without disclosing the reason behind the boundary.
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. By checking those boundaries before approval, lenders can help 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.
The status changes. The voice does not. Each response is designed to be clear without becoming punitive or alarming.
PASS
“Clear to continue.”
No active boundary for this product.
DELAY
“Give this a moment.”
A cooling-off window is active.
BLOCK
“This one is paused.”
A boundary the person set is being honoured.
Lender integration
A small response with a specific job.
The exchange is intentionally limited: confirm the applicable flag so the lender can follow the agreed handling path.
GET /v1/check
{
"flag": "DELAY",
"window_hrs": 24
}For people
A moment of friction, on your own terms.
Credit Stop is for people who already know their own patterns and want a system that backs their better judgement later.
The person chooses the boundary. Credit Stop holds that choice when an application is made, without sharing balances, transaction history or a personal explanation with the lender.
Access is being introduced alongside lender integrations.
Lender partnership enquiries
Let’s put a useful pause into the credit journey.
If you are exploring consumer-duty safeguards, credit self-exclusion, or a potential pilot, we would like to hear from you.
partnerships@credit-stop.uk