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Unleash the power of your bank data to get the credit you deserve

If you don’t have a credit history it can be difficult to get a loan. Using your bank data, you can prove to lenders that you can afford it

Get your free Financial Health Score

Your Financial Health is like your credit score. Take care of your financial health and lenders will be more willing to lend and give you better rates

We'll calculate your Borrowing Power

Use your bank data to find out exactly how much you can afford to borrow and increase your chances of being accepted

Compare guaranteed finance deals

It’s frustrating when you see a great loan rate advertised only to be told the rate is higher after you apply. With RealRates the rate you see is the rate you get

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Fast, accurate, secure

21.5% APR representative

We’ve made it as simple and safe as possible for you to use our service
You can afford up to £ ???pm
Try the world’s first Open Banking loan calculator
Use your bank data to find out exactly how much you can afford to borrow
You can afford up to £ ???pm
Loans from £1,000 - £25,000
Can I afford it?
How much can I afford?

We currently support over 20 UK banks

We take security very seriously and use the same type of security standards as the leading banks when you connect your bank accounts

Read our frequently asked questions

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

What is thin credit history?

If you have no credit history or a ‘thin’ credit file it can be difficult to get a loan or credit because lenders want to see proof that you can use credit responsibly by paying it back on time. Without a credit score from Equifax, Experian or TransUnion, many lenders are not willing lend or may charge you very high interest rates.

If you can’t get a loan or credit card, there are ways to start building your credit history for example by taking out a monthly mobile phone contract, getting an energy contract or using an arranged overdraft. Just make sure you pay your bills in time and these repayments will be recorded on the credit report.

Whilst credit history is important to determine credit worthiness, lenders can also look at your bank data to see how much your earn and spend which tells them your overall financial health and how much you can afford to borrow.

We are working with lenders to find ways to use bank data to make fairer credit decisions for people with thin credit files and help them get on the credit ladder.

What is Open Banking?

Open Banking is a data sharing standard introduced by the Compeition and Markets Authority (CMA) to encourage financial services innovation. This means that, with your consent, all banks in the UK must allow you to securely share your transaction data with third parties called Account Information Service Providers ("AISPs").

AISPs must comply with strict rules and be regulated by the Financial Conduct Authority ("FCA"). Consents.Online are our trusted Open Banking partner. They are a regulated AISP who help companies like us connect to banks and manage consent for data sharing. You can read more about them here.

Is Open Banking safe?

Yes Open Banking was designed with security and control in mind. Open Banking uses rigorously tested software and security systems to ensure you data is protected. You will never be asked to provide your login details to anyone other than your bank.

If you're using a mobile you will be sent to your banking app where you log in and confirm that you are happy to share the data with us. By providing consent you are giving us 'read-only' access to your data and no payments can be made to or from your account. You can also revoke data sharing consent with us at any time by logging into your bank.