Our advanced credit matching technology is a revolutionary piece of technology that puts you back in control of your data. We do a “soft search” of your credit data and match that against lenders lending criteria showing you whether you are likely to be accepted. Rather than having a lender cherry pick their favourite customers and leave the others with a decline on their credit file, we wanted to build something that leaves NO MARK on your credit file AND lets you know if you’ll be accepted.
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Our Top Tips
Borrow as little as possible for the shortest time possible.
Check and then check again that you’re borrowing the absolute minimum you need. It’s always cheaper to borrow only as much as you need to and no more and to pay back over the shortest time period possible. The shorter you borrow, the less interest you pay.
Check that your credit file is spick and span.
Make sure that you’ve checked your credit file to ensure that it’s accurate, up to date and error free. For more information read our credit rating guide.
Calculate what you can afford to pay back each month.
Can you afford the monthly repayments for the total duration of the loan? When you compare rates, use a comparison tool that lets you change how long you can borrow for so that you can compare the cost of the monthly repayment to see if you can afford it!
Only apply for loans you know you’re likely to get.
All advertised loan and credit card APRs are ‘representative’ – this means only 51% of successful applicants are guaranteed to get the advertised rate. That leaves an awful lot of people rejected or being offered loan rates much higher than they expected. Worse still being declined can damage your credit rating.