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Compare loans you’ll be accepted for

Check your eligibility for a real rate loan with no impact on your credit score

The rate you see is the rate you’ll get

It’s frustrating when you see a great loan rate only to be told the rate is higher after you apply. At RealRates your rates are guaranteed

Tell us how much you’re looking to borrow?

It only takes a minute to check your eligibility and compare real rate loans

Compare loans from

£1,000 to £25,000

£
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Fast, accurate, secure

21.5% APR representative

How it works

Read our frequently asked questions

Still need a bit more information? Here’s our frequently asked questions to help you out

How do I compare loans?

It only takes a couple of minutes to compare personal loans with us. As long as you’re over 18 years old and a UK resident you can check your eligibility for a personal loan.

Once you provide us with your personal information, we will check with our panel of lenders who will accept your loan application and who will decline you. This does not impact your credit score.

If accepted, you will see what lenders will accept you, the guaranteed interest rate, monthly repayment and total amount payable.

If we cannot find you a loan, we will present you with the option to find out your Borrowing Power and Financial Health Score. We do this as we know that lenders will decline a loan application if the person can’t afford it.

We’ll also find other ways to help you either improve your credit score or save you money.

How are we different?

Real interest rates - we only work with lenders who can provide us with real interest rates when we check your eligibility. These rates are based on a soft search which has no impact on your credit score.

What this means is the interest rate is guaranteed if you choose to apply (subject to final checks by the lender such as fraud).

Guaranteed rates - when you’re offered a real interest rate, this comes with a rate guarantee. This means that if you are accepted for the loan and choose to apply on the lenders website, they cannot increase the rate. This rate jump is common with advertised rates as they are not specific to you and your personal circumstances.

Advertised rates - An advertised rate is very different and you’ll often see reference to a representative APR.

The Financial Conduct Authority (FCA) has very specific rules on how a company calculates their representative APR. They can only advertise an APR as “representative” if 51% of their customers get that rate or lower.

For example, our panel of lenders can offer loans from 2.9% APR to 99% APR but as we are a company that is regulated by the FCA we have to include our own representative APR based on customers who took out a loan via our website. So here’s ours:

Representative Example: Borrowing £3,500 over 36 months with a representative 21.5% APR fixed, the amount payable would be £132.76 per month.

This does not mean if you were accepted for a loan that it would be 21.5% APR as it is not specific to you and your personal circumstances.

What is a soft search?

When you compare loans with us, we will check with our panel of lenders who will accept your loan application and who will decline you. This does not impact your credit score. This allows our lenders to make a decision.

Meanwhile, a hard search is performed when you apply for a loan. The lender will take a full view of your credit report and runs some final checks such as fraud. This type of search will leave a mark on your credit profile and can affect your credit score.

What is a personal loan?

A personal loan is a fixed amount of money that you borrow over a specific period of time (often referred to as the “loan term”) for example £10,000 loan over 5 years.

Most common reasons that people take out personal loans are; to consolidate debts such as existing loans and credit cards into one monthly payment, buying a car or home improvements.

Whilst many people still go straight to their bank when looking for a personal loan, we always encourage that you use a loan comparison site first to make sure you’re getting the best loan rates available to you and your credit profile.

We can help you compare personal loans online from £1,000 right up to £25,000.