As featured on
'The days of the "vested interests" pushing fake APRs are over.'
'We have a ridiculous system in the UK where loans are advertised as a Representative APR [which is] a teaser rate'
BBC Radio 4
'At last it's something that will help people know where they stand with the interest rates they pay'
Comparing real rates is the only sensible way to choose a loan
Stuart Glendinning, Founder of realrates.com
Real rates are loan interest rates matched exactly to you
We show you which loan providers will pre-approve your application and, for others, show you an Acceptance Certainty Score.
No. All our real rates quotations come with a Rate Guarantee so, the rate will not increase immediately after you apply.
No. Every loan provider on realrates.com uses a ‘soft search’ and possibly other checks to see if they can provide you with a loan and to deliver your real rate quotes. A ‘soft’ credit search helps our providers to decide whether or not they may be able to lend money to you. Unlike a ‘hard’ credit search, a soft search is recorded on your credit file, but only you rather than any other lender will be able to see it. A soft search does not therefore affect your credit score.
The law says we have to include a Representative APR when advertising financial products. If your quotation search is accepted by any of our providers, the real rates you are offered will be based exactly on your circumstances.Back to top