How to Play Online Casino Games with Credit loans

Sometimes, it would be nice to have a bit of extra cash to play online casino games, like when we know the fruity we have heavily invested in is ready to payout any time now. Borrowing from an online casino may be out of the question, but there are play now pay later solutions you can employ now. This article looks at the best options to get casino credit and where you can use these options at online casinos available to players in your country.

How does Casino Credit Work: Credit Lines, Cash Advances and Loans

It is not unusual for those who spend a lot of time playing casino games to find themselves in a situation where they wish for extra credit to continue playing. Indeed, chasing losses is never a good idea, and we would never suggest you should. Still, there are situations when an online casino cash advance makes sense, given the benefits casino credit can sometimes offer.

However, unlike physical brick and mortar casinos, you won’t find too many places offering online casino credit lines. Promoting responsible gambling policies is a must for any legal, legitimate and trustworthy online casino these days. If you search the footer links of any credible gambling platform, it is hard to find any that don’t have a BeGambleAware, GAMSTOP, or a GamCare self-exclusion logo promoted. Consequently, it is difficult for online casinos to get around the legalities and contradictions to offer casino credit and loan facilities.

Casino Gambling Loans and Markers

Physical casinos have more wiggle room to offer short term casino loans and credit facilities. This type of credit facility is what brick and mortar casinos refer to as Markers. The use of a casino marker, AKA a casino credit line, is not without its benefits. 

The Benefits of Casino Credit and Drawbacks

For starters, it saves players the expense of withdrawing cash from an ATM and the risk of carrying large sums of money to and from a casino. Outstanding balances can be made online, and players have instant access to interest-free credit without leaving the casino.

There is no denying that the use of casino markers, short-term loans and credit facilities is dangerous. There are severe consequences for players who can’t or don’t settle within the credit period, usually thirty days. Players who want a casino cash advance to gamble are better off sourcing from other financial institutions. 

How Hard is it to Get Online Casino Credit?

The bottom line is this: Few online gambling platforms offer online casino credit, loans or cash advances directly to their customers. If they do, are you sure you can trust them? Besides, they would rarely be the best option available to secure credit.

Can I Play Real Money Games with Online Casino Credit?


The answer to the question is yes, but not directly from the online gambling venue. When an online casino accepts your deposit from your payment method of choice, at no time do they ask you where you got the money to play their games. The answer, therefore, is to use credit facilities provided by an advanced credit payment provider. 

There are a few ways players can use a payment method to borrow cash in the short-term to play real money gambling games today. 

Credit Card Casino Gambling

Using a credit card to borrow money in advance is the most popular way to source a cash advance to play online casino games. Since many players own a credit card, it is also one of the easiest ways to make fast casino deposits.

There is a cravat with online casino credit card gambling you should be aware of before using the cash advance features. Not all banks, particularly the large ones, will process transactions for casino gambling. The UK has banned credit card gambling and loans to play casino games and has done so since 2020. Similar moves are occuring in the US, so using credit cards to make casino deposits is hit and miss.

Disadvantage and Benefits of Credit Card Casinos

Many online casinos still accept credit cards to make casino deposits, and many players can still use them despite the restrictions. Here is a brief summary of the Pros and cons.


  • 30 Day 0% interest-free borrowing.

  • An excellent option for high-rollers with high credit card limits.

  • Fast and Easy to Make deposits using Visa, MasterCard, or AMEX.


  • Has the potential to fuel gambling addiction.

  • You may be wondering how to get credit card money back from an online casino, but little purchase projection exists once money has been wagered.

  • Need to provide the online casino with personal/banking details.

Best Credit Card Casinos

Here is a list of the most trusted Credit Card Casinos Online accessible to players in the country you reside.

Only for United Kingdom
247 casinos found
Casino Name
Key Features
Visit Casino
United Kingdom
Welcome Offer 450% welcome pack up to €450.000 + 140 Free Spin
More Info +
Casino Fairspin Casino
Bonus 450% welcome pack up to €450.000 + 140 Free Spin
Traffic volume rank #41 of 569
Trustpilot 3.3 Reviews 151
Opened Since 2018
Accepts your Geo
United Kingdom Yes
(United Kingdom)
Allows VPN No
Accepts Crypto Yes
Number of games 5000+
Number of Software Developers 75
Payment Card verification No
ID verification for cashout Yes
Min Deposit €1
Monthly withdrawal limit
Max Bet on slots €500
Max Bet on roulette €2,500
Max Bet on blackjack €10,000
Live Dealers Games Yes
Traffic Level 76,236 Very high traffic
Fairspin Casino Alexa Chart
  • No withdrawal limits
  • Multi-language support
  • 24-hour cashouts
Rank #41 of 569 Review
United Kingdom
Welcome Offer £150 + 150 Spins
More Info +
Casino Cosmic spins
Bonus £150 + 150 Spins
Traffic volume rank #294 of 569
Opened Since 2019
Accepts your Geo
United Kingdom Yes
(United Kingdom)
Allows VPN No
Accepts Crypto No
Number of games 250
Number of Software Developers 7
Payment Card verification No
ID verification for cashout No
Min Deposit £10
Monthly withdrawal limit
Live Dealers Games No
Traffic Level 2,074,421 Very low traffic
Cosmic spins Alexa Chart
Rank #294 of 569 Review
United Kingdom
Welcome Offer 100% up to £100
More Info +
Casino 888 Casino
Bonus 100% up to £100
Traffic volume rank #544 of 569
Trustpilot 1.4 Reviews 1,706
Opened Since 1997
Accepts your Geo
United Kingdom Yes
(United Kingdom)
Allows VPN No
Accepts Crypto No
Number of games 2000+
Number of Software Developers 9
Payment Card verification Yes
ID verification for cashout Yes
Min Deposit £10
Monthly withdrawal limit
Live Dealers Games Yes
Rank #544 of 569 Review
3 / 247

Pay by Phone Bill Casino Credit

Making casino deposits from a mobile phone bill is another way to access casino credit in advance. This ‘play before you pay’ approach is also an excellent option for players who do not have or want to use a bank account for casino deposits. It is also one of the fastest and cheapest methods for online casino credit deposits for mobile casinos.

How does Pay by Phone Bill Casino Credit work?

Casino deposits are taken directly from your mobile phone bill, either prepaid credit or monthly bill, depending on the mobile contract arrangements you have with your telecoms provider. Deposits are subject to daily limitations on the amount you can deposit, typically around ten to thirty currency units per day.

The two most common Pay by Phone Bill online casino payment providers are PayForIt and Boku.

Disadvantages and Advantages of Pay by Phone Casino Credit



  • Deposit Credit is lightning fast

  • Method accepted by many online casinos.

  • No additional fees to make deposits

  • Maintains anonymity and Privacy.

  • Play now, pay later.


  • Low daily deposit limits make it unsuitable for high rollers.

  • Cannot withdraw winnings back to your mobile phone bill.

Best Pay by Phone Bill Casinos

Here is a list of the top Pay by Phone Bill Casinos Online accessible to players in your country.

Buy Now Pay Later Card and App Credit Purchase Services

Another Play Now Pay Later Casino deposit approach uses a payment service that provides customers with interest-free payment plans on purchases. Signing up for such services is similar to that of applying for credit. You will need to state how much you want to borrow and the duration of the instalment period. Credit checks apply.

This service allows account holders to make online credit purchases at home and abroad through a phone app and card. Casino credit deposits are paid off in instalments at a pre-agreed level. This type of Credit service is becoming an increasingly popular way to access credit to fund casino games. Popular providers include AppToPay and Klarna

Disadvantages and Advantages of Pay by Phone Casino Credit


  • Casino Credit without Credit Card Limitations

  • Play Now Buy Later

  • Interest Rate Free Loans

  • Pay Instalments by Direct Debit up to £2,000 Credit.

  • Make online purchases home and abroad


  • Cannot make casino withdrawal of winnings back to your account.

Free Online Casino Cash

Before using casino credit, why not take advantage of online casino no deposit free spin bonuses. These no-obligation offers give you a chance to win real casino cash without the need to make a deposit. It’s a long shot, but people a won substantial jackpots accepting these kinds of welcome gifts to new players. 

Final Thoughts on Casino Credit

Using a payment method to provide casino credit on a Play Now Pay Later credit facility can sometimes be beneficial under the right circumstances, but not advised if you can avoid it. There are serious financial risks involved, and you really shouldn’t be using advanced credit to chase casino losses. For those in this situation, we strongly advise you to stop and reevaluate. Players should only ever use casino credit for convenience to play gambling games for fun and enjoyment.