6 Ways to Build Your Credit Score the Halal Way: Tips for UK Drivers in 2025

You’ve got your PCO licence, you’ve downloaded all the essential apps we listed in our previous blog, and you’ve started looking through Ayan’s recommended Top 10 Cars for Uber Drivers in 2025. Life’s good. All of a sudden, you go to apply for car financing with Ayan to kickstart your Uber journey, but it says we can’t offer financing at this time. Credit scores can either open doors or slam them in your face.

Now, here’s the twist: you want to build your credit score the Halal way: no interest, no gambling, no financial funny business.

Sounds impossible? It’s not.

Here’s how you can climb the credit score ladder without stepping on your Islamic principles.

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First Off, Is Credit Even Halal?

Good question, glad you asked.

Interest (riba) is forbidden in Islam, and that’s what most credit cards, loans, and finance deals involve. BUT, having a credit score doesn’t mean you’re racking up debt with interest.

In fact, you can build and maintain a strong credit file without ever paying a penny in interest. The trick is how you use credit, not whether you use it.

Below are 6 ways you can build your credit score without compromising on your principles.

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6 Halal-Friendly Ways to Build Credit in the UK
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1. Get on the Electoral Roll

Sounds boring? It is. But lenders love it. Registering to vote shows stability, and it boosts your score, specifically after 18 months of being enrolled.

Register here. It takes five minutes and doesn’t mean you have to vote.
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2. Pay Bills On Time (Every. Single. Time.)

Phone bill? Car insurance? Netflix? (Well… maybe not Netflix.) All of these help build your credit profile if paid on time.

Set up direct debits so you’re never late. Credit reference agencies love consistency. It’s like giving your credit score a cup of tea and a blanket, warm and comforting.
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3. Use a Halal Credit Builder Card

Not all credit cards are haram, if you pay them off in full each month and don’t incur interest.

Look for:

• 0% interest credit builder cards (some Sharia-compliant ones available)
  
  
• Small monthly spending (petrol, snacks, etc.)
  
  
• Full repayment every month – no interest, no stress.

Think of it as borrowing a fiver from your mum and paying it back the same day. Halal and appreciated.

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4. Consider Islamic Finance Products

Some providers now offer Sharia-compliant car finance *wink wink*, mortgages, and even personal accounts that help build your credit history. Search for:

✅ No interest, no penalties, no surprise fees
✅ Transparent pricing
✅ Peace of mind for your faith and finances

Islamic finance products to look out for:

• Murabaha (cost-plus financing)
  
  
• Ijara-wa-iqtina (leasing)
  
  
• Mudarabah (profit-sharing accounts)

Ayan Capital currently offers Halal car finance for PHV, PCO and business drivers through Ijara-wa-iqtina. If you’re looking to build your credit score whilst investing in yourself, your Uber business, or any business you may have, click here to start your application.

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5. Use Rent Reporting Services

If you're renting, services like CreditLadder or Canopy can report your rent payments to credit agencies. Rent is probably your biggest monthly payment, make it count!

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6. Keep Credit Usage Low

If you do have a credit card, try to keep your credit limit above £4,000 and stay under 30% of usage of that limit. It shows lenders you’re responsible. You’re not maxing out £2,000 on Deliveroo kebabs and LED car lights. You’re a sensible spender. A credit ninja, some might say (no one says that, the editor of this blog is really trying to make it stick though).

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Final Thoughts

Building your credit score while staying true to your values isn’t just possible, it’s powerful. It shows discipline, responsibility, and a bit of financial savvy-ness, all whilst never compromising on your values.

So, whether you're aiming to finance a new hybrid for Uber or just want to sleep easy knowing your money is clean, follow these tips and build your score the Halal way.

For tailored financial advice and support, we recommend reaching out to credit agencies such as:

• Experian: [email protected]
  
  
• Equifax: 0800 014 2955
  
  
• TransUnion: [email protected]

Regardless, here at Ayan Capital, we try to help as many people as possible. So if you’re looking for a way to build credit, or just want to finance a car, the Halal way, make an application here! No impact on your credit score and it takes 2 minutes!