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  • Only real interest rates - no Rep APR's
  • See who will accept you before you apply
  • Your loans 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

Compare loans matched exactly to you

Rates come with our Rate Guarantee

See which lenders will accept or decline you

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

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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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, in particular, will benefit:







Rate Guarantee

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

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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

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