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  • Market leading rates from 2.8% APR
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Rates come with our Rate Guarantee

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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 £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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We believe that when you compare loans, 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 compare loans with real rates - we run a 'soft search' on you to see which lenders will accept or decline 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.