Credair Limited

Reference number: 672306

Instant download

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks, 1 thing worth a closer look

  • When credair.org first appeared online, and whether it can receive email
  • What kind of line 020 4577 1440 is, and the other firm that gives it
  • Who else gives the postcode EC3R 8AJ
Instant PDF download
Other names (10)

If you were contacted under any of these names, it is this firm.

  • Guavapay Credit Services Limited Former name
  • Pay Later Financial Services Limited Former name
  • Travelfund Limited Former name
  • Fly Now Pay Later Former trading name
  • Guavapay Credit Services Former trading name
  • Guavapay CS Former trading name
  • MyGuava Former trading name
  • MyGuava Credit Former trading name
  • Pay Later Group Former trading name
  • Travelfund Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Concerns on the company record

  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
Company number
09020100
Company status
Active
Company type
Private limited company
Incorporated
1 May 2014 (12 years old)
Registered office
Monument Place, 24 Monument Street, London, Greater London, EC3R 8AJ, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Filed accounts and finances

18 months to 31 December 2024Small company accountsNot audited

Net assets

£550k

Up £1.47m from −£921k

Cash at bank

£16.7k

−81% from £90.0k

Employees (average)

0

Same as 0

Owed within a year

£563k

−92% from £6.88m

Its next accounts are overdue at Companies House.

Net assets

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09020100. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Credair’s history from the FCA register and Companies House, newest first.

Key events (10) All events (38)

2026

14 April 2026

  • Changed its registered name from "Guavapay Credit Services Limited"

FCA register

2025

13 May 2025

  • Board replaced: its only director left and a new director took over

Companies House

2024

1 November 2024

  • Changed its registered name from "Pay Later Financial Services Limited"

FCA register

2020

17 January 2020

  • Jasper Dykes gave up control
  • Pay Later Group Limited took control (75–100% of shares)

Companies House

2018

22 March 2018

  • Changed its registered name from "Travelfund Limited"

FCA register

2016

6 April 2016

  • Jasper Dykes took control (75–100% of shares)

Companies House

2015

21 August 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2014

1 May 2014

  • Incorporated at Companies House

Companies House

In the full report: all 38 events

  • All 38 events in its history (10 shown here)
  • Every director appointment and resignation: 12
Instant PDF download

Firms connected to Credair

Other FCA-listed firms that share a director, phone number or address with Credair. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
Instant PDF download

Firms like Credair

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Credair

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details, 1 flagged
  • All 38 events in its history
  • 1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Credair Limited FCA authorised?
Yes, Credair Limited (FRN 672306) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Credair’s phone number and website?
The FCA register lists the phone number 020 4577 1440 and the website credair.org for Credair. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Credair a scam or clone?
Credair is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Credair?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credair handles your money, so check the specific product before you commit. You can also refer complaints about Credair to the Financial Ombudsman Service, free of charge.
Who owns Credair?
Credair is owned by Pay Later Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 17 January 2020. Before that, it was controlled by Mr Jasper Dykes.
How long has Credair been in business?
The company was formed on 1 May 2014, and has held its current FCA authorisation since August 2015.
What do Credair’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £550k (up £1.47m from −£921k) and cash at bank of £16.7k (−81% from £90.0k). Its accounts are overdue at Companies House.
Does Credair use any other names?
It has previously used 10 other names, including Guavapay Credit Services Limited, Pay Later Financial Services Limited and Travelfund Limited.

Sources and links

The full report on Credair Limited

£19.99 · Instant PDF download

Loading secure checkout…