Compare loans that you are eligible for

Only real interest rates - no Rep APRs
See who will accept you before you apply
Loan rates come with a Rate Guarantee

No impact on your credit score

What's with the fish?

anglerfish /'aŋɡləfɪʃ/ a fish that lures prey with a fleshy lobe on a filament arising from the snout, typically with a very large head and wide mouth, and small body and tail.

representative apr /'rep apr/ like an anglerfish, the Rep APR lures you in with a loan interest rate that looks affordable only to find out afterwards that the real interest rate wasn't what you were expecting.

Why we're better

UK's 1st real interest rate loan comparison

Compare loans with real interest rates

See which lenders will accept or decline you

With no impact on your credit score

Other comparison sites

Compare misleading Rep APRs

Only 2 in 10 are accepted for the Rep APR

Only see real interest rates after you apply

Which does affect your credit score

Representative Example: Borrowing £3,500 over 36 months with a representative 21.5% APR fixed, the amount payable would be £132.76 per month with a total amount payable of £4,779.47

Don't just take our word for it

Consumers benefit from comparing real rates. Admiral is delighted to partner with realrates.com, the UK’s first pure real rates comparison site for loans

Scott Cargill, CEO, Admiral

Zopa is really glad the UK market now has a true 'Real Rate' comparison. Customers seeking a loan can now see which products they are actually able to get

Daniel Butler, Zopa

It's a big deal for borrowers to compare real rates only. It means consumers can truly understand the different rates on offer, instead of being misled by Representative APRs

Chris Meurice, Lendable

Ocean Finance is pleased to be working with realrates.com, searching 100s of homeowner loans to determine eligibility and provide real interest rate comparison

Geoff Dearden, Ocean Finance

At Likely Loans, we believe it’s important for customers to see their real rate to help them make an informed decision about their choice of loan

Claire Smith, Likely Loans

We are thrilled to partner with realrates.com. We’re passionate about customer’s taking back control of their finances and providing complete transparency in their loan rate means that customers can do exactly that. No more guess work!

Nicholas Harding, CEO, Lending Works

realrates.com simplify what can be a confusing process. Shawbrook are delighted to work with a likeminded company who value transparency

Andy Townsend, Shawbrook Bank

Consumers benefit from comparing real rates. Admiral is delighted to partner with realrates.com, the UK’s first pure real rates comparison site for loans

Scott Cargill, CEO, Admiral

Zopa is really glad the UK market now has a true 'Real Rate' comparison. Customers seeking a loan can now see which products they are actually able to get

Daniel Butler, Zopa

It's a big deal for borrowers to compare real rates only. It means consumers can truly understand the different rates on offer, instead of being misled by Representative APRs

Chris Meurice, Lendable

Ocean Finance is pleased to be working with realrates.com, searching 100s of homeowner loans to determine eligibility and provide real interest rate comparison

Geoff Dearden, Ocean Finance

At Likely Loans, we believe it’s important for customers to see their real rate to help them make an informed decision about their choice of loan

Claire Smith, Likely Loans

Nicholas Harding, CEO, Lending Works

realrates.com simplify what can be a confusing process. Shawbrook are delighted to work with a likeminded company who value transparency

Andy Townsend, Shawbrook Bank

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UnRepresentative APRs

Loan adverts with very low Representative APRs e.g. 2.8% will, for most people, be misleading. The majority of loan applicants will be declined or offered a rate higher than advertised.

Unlike other loan comparison sites, we only work with lenders who can offer real interest rates to our customers - which means the loan rates you see come direct from the lender and are matched exactly to you.

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100 People apply
for a loan

16 People get the
Rep APR

14 People get a
different rate

70 People get
declined

What others have said about Representative APR’s

I think it is a mammoth rip off. It is a completely hidden charge. It is a way of allowing lenders to advertise what looks to be hideously competitive rates and to come top of the ‘Best Buy’ tables … It is absolutely a hidden scandal

Martin Lewis, Moneysavingexpert

source: publications.parliament.uk

No harm to your credit score

When you compare loans with us - our panel of lenders run a 'soft search' on you to see if you are eligible. This 'soft search' does not harm your credit score so you can compare with confidence.

These 'soft searches' are used to calculate the real interest rate each lender will accept you for.

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The first in the UK

Pure real rates

The first pure real rates loan comparison site in the UK

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Rate Guarantee

The first loans comparison to offer a Rate Guarantee on the rates displayed

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Acceptances

The first to supply Acceptance Certainty Scores directly from the lender

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Declines

The first to show you which lenders will decline your application

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Who benefits most from comparing real rates?

Everyone should know the interest rate and cost of credit before they apply for a loan! The following people, in particular, will benefit:

Rate Guarantee

By only showing real interest rates - not Rep APRs - we can offer our customers a Rate Guarantee on the rates displayed

This means, unlike other loan comparison sites, the loan rate cannot increase after you apply.

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See the full picture

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

As our lenders run a 'soft search' on you, being declined on our site does not harm your credit score.

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How it works

We've made it as simply as possible for our customers to compare loans

1. Tell us how much you need to borrow

Compare personal loans from £500 to £35,000 over periods of 1 to 7 years and homeowner loans up to £100,000 over a period of 3 to 25 years.

2. Answer some questions about you

Because we compare real interest rates matched exactly to you (and do not list misleading Rep APRs) we need to collect personal information for the lenders to check your eligibility and confirm the rates you can benefit from. We take privacy very seriously and never sell your data.

3. See your loan offers in seconds

The decision from lenders and the interest rates they will offer you come back within 30 seconds. There's no clever algorithms. The information comes directly from each lender. Unlike other price comparison sites, the Results page you see is unique to you. Another 10,000 people might use our site today and NOT see the same results!

4. Choose your loan in confidence

It's genuine loan comparison - with rates matched exactly to you. The real rates you will be offered can be as low as 2.9% APR, up to 99% APR ... but you need an excellent credit profile to benefit from the lowest rate. No matter what your credit status, you can compare and apply with confidence. We have 'democratised' loan comparison for UK consumers!