Compare loans that you are eligible for

Only real interest rates - no Rep APR's
See who will accept you before you apply
Your loans come with a Rate Guarantee

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No impact on your credit score

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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

Other comparison sites

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 your real rates - our panel of lenders run a 'soft search' on you to see what 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

Rate Guarantee

The first loans comparison to offer a Rate Guarantee on the rates displayed

Acceptances

The first to supply Acceptance Certainty Scores directly from the lender

Declines

The first to show you which lenders will decline your application

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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Who benefits most from comparing real rates?

Everyone should know the interest rate and cost of credit before they apply! The following people in particular will definitely benefit.

Self employed
Non-homeowners
Young adults

Recently divorced
Missed or late payments
Newly resident in UK

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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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How it works

1. Tell us how much you need to borrow

Compare personal loans from £500 to £35,000 over periods of 1 to 7 years and homeowner loans up to £100,000 over a period of 3 to 25 years.

2. Answer some questions about you

Because we compare real interest rates matched exactly to you (and do not list misleading Rep APRs) we need to collect personal information for the lenders to check your eligibility and confirm the rates you can benefit from. We take privacy very seriously and never sell your data.

3. See your loan offers in seconds

The decision from lenders and the interest rates they will offer you come back within 30 seconds. There's no clever algorithms. The information comes directly from each lender. Unlike other price comparison sites, the Results page you see is unique to you. Another 10,000 people might use our site today and NOT see the same results!

4. Choose your loan in confidence

It's genuine loan comparison - with rates matched exactly to you. The real rates you will be offered can be as low as 2.9% APR up to 99% APR ... but you need an excellent credit profile to benefit from the lowest rate. No matter what your credit status, you can compare and apply with confidence. We have 'democratised' loan comparison for UK consumers!