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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.

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With no impact on your credit score

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Compare misleading Rep APR's

Only 2 in 10 are accepted for the Rep APR

Only see real rates after you apply

Which affects 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

Swipe

UnRepresentative APR’s

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

We only work with real rates - so the rates you see 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

For you to compare loans with real interest rates - our panel of lenders will run a 'soft search' on you to see what loans you are eligible for with no harm to your credit score.

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