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Unleash the power of your bank data to get the credit you deserve

Give your finances a real boost

Get your free financial health score

Your financial health is like your credit score. Take care of your financial health and lenders will be more willing to lend and give you better rates

We’ll calculate your Borrowing Power

Use your bank data to find out exactly how much you can afford to borrow and increase your chances of being accepted

Compare guaranteed finance deals

It’s frustrating when you see a great loan rate advertised only to be told the rate is higher after you apply. With RealRates the rate you see is the rate you get

Find out how
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Fast, accurate, secure

21.5% APR representative

We’ve made it as simple and safe as possible for you to use our service
You can afford up to £ ???pm
Try the world’s first Open Banking loan calculator
Use your bank data to find out exactly how much you can afford to borrow
You can afford up to £ ???pm
Loans from £1,000 - £25,000
Can I afford it?
How much can I afford?

We currently support over 20 UK banks

We take security very seriously and use the same type of security standards as the leading banks when you connect your bank accounts

Read our frequently asked questions

Still need a bit more information? Here’s our frequently asked questions to help you out

What is Open Banking?

Open Banking is a data sharing standard introduced by the Competition and Markets Authority (CMA) to encourage financial services innovation. This means that, with your consent, all banks in the UK must allow you to securely share your transaction data with third parties called Account Information Service Providers (“AISPs”).

AISPs must comply with strict rules and be regulated by the Financial Conduct Authority (“FCA”). We partner with Consents.online Limited, a regulated AISP, to provide our Open Banking services.

Is Open Banking safe?

Yes Open Banking was designed with security and control in mind. Open Banking uses rigorously tested software and security systems to ensure your data is protected. You will never be asked to provide your login details to anyone other than your bank.

If you’re using a mobile you will be sent to your banking app where you log in and confirm you are happy to share data with us. By providing consent you are giving us ‘read-only’ access to your data an no payments can be made to and from your account. You can also revoke data sharing consent with us at any time by logging into your bank.

What is Borrowing Power?

Your Borrowing Power is the amount of money you can afford to repay towards a loan each month. We work it out by categorising your bank data into the following groups:

Regular income – identified salary, pension incoe and other regular transfers into your bank account

Regular spending – rent and mortgage, utilities, credit card and loan repayments, insurance premiums, essential shopping and other regular transfers from your bank account.

We then subtract your regular income from your regular spending to calculate what you can afford to borrow. We then use our proprietary interest rate date to estimate your monthly repayments for a loan and how much money you’ll have left over in your bank account.

Who are Consents.Online?

Consents.Online are our trusted Open Banking partner. They are a regulated AISP who help companies like us connect to banks and manage consent for data sharing. You can read more about them here.