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Representative Example: Borrowing £7,500 over 36 months with a representative 7.9% APR fixed, the amount payable would be £233.74 per month with a total amount payable of £8,414.64

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Lure people in with a Rep APR

7 / 10 applicants will not receive the Rep APR

You only see the rate after you apply

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We believe that when comparing, you should not only see who will accept you but also who will decline your application

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Rates guaranteed

Representative rates aren't given to everyone, so a lot of us can get a nasty surprise when we apply for a loan.

Fortunately, there's another option. We only work with lenders who can offer customers a personal loan with a rate guarantee!

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No impact on credit score

To get your real rates - we run a 'soft search' on you to see which lenders will accept you - with no impact on your credit score

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Representative APRs don't work for everyone

Not everyone gets the representative APR, which is why we only show you real rates on your results.

If you're wondering why we have representative APRs on our website, well, you can read through all the boring details here, FCA CONC GUIDELINES.

Basically, we have to include them by law, because the law hasn't had a chance to catch up to this new technology yet. So until it does, we have to show representative APRs and representative examples on our website.