How we can help you

Our credit eligibility checking service can help you get accepted for the best product. Credit doesn’t need to be complicated.

We help you get the credit you deserve

Not so long ago, the only way you knew whether you could get a credit card or loan was to apply. The lenders held all the cards and rejection after rejection would make it harder to find one that would say: "Yes."

We knew things could be better. We knew it was time for borrowers to start calling the shots. That’s why we built the eligibility check.

Now, finding the right credit card or loan is as easy as 1–2–3

1. Check your eligibility

Just answer a few simple questions and our free eligibility checking technology will match you to the cards or loans most likely to accept you.

2. Compare

You’ll see a personalised selection of credit cards or loans, with those most likely to accept you at the top of the table. And you’ll see your percentage chance of acceptance for each one.

3. Apply

Find the card or loan that best suits your needs and apply with confidence – you’ll save time and money and protect your credit rating.

Our eligibility check matches you to the cards and loans most likely to accept you. It’s a powerful but easy-to-use tool that makes it simple to compare cards and loans from all the major lenders and see how likely you are to be accepted before you apply.

Finding the right credit card or loan can save you hundreds of pounds and with our eligibility check you are more likely to be accepted.

Join thousands of users who use TotallyMoney, the UK’s fastest growing credit comparison website, to save money, protect their credit rating and get the credit they deserve every day.

We protect your credit rating

Every time you apply for a credit card or loan, the lender will run a full credit check on you. And every check they do leaves a mark on your credit file that is visible to all lenders. Too many of these marks left in too short a time will start alarm bells ringing – lenders will think that you are desperate – and make it harder for you to get credit.

Our eligibility check shows you which cards and loans you’re most likely to be accepted for before you apply – allowing you to protect your credit score and apply with confidence.

In order to show you the products that could accept you, our eligibility check uses a soft search of your credit report. This looks at information that credit reference agencies such as Equifax, Experian or Call Credit hold on you, but unlike a full credit check only you can see it on your file. You can check you eligibility as many times as you like without harming your chances of getting credit. We’ll then provide personalised results and an accurate view of the cards and loans that could accept you.

We respect your privacy

We’ll never share your data with anyone without your express permission. No third parties, no spam and no unwanted emails. If you hear from us, it will be either to confirm your results or to update you on deals that could save you money. We hate spam as much as you do and you can opt out at any time.

We use the same powerful data encryption methods that are used by banks to protect the transmission of your data. And our access to your personal details and any information you share with us is read-only. Don’t take our word for it, our security practices have been approved by Verisign.