Innovative credit

We have helped bring new products to the credit market that are driving change in the industry.

Smart portfolio

The deep understanding of the credit market we’ve gained through developing our credit comparison platforms has enabled us to launch affinity products and market credit products that are designed to give the customer a fairer deal.

Lightbulb loans

Lightbulb loans logo

Personal loans at personalised rates

People use a Lightbulb loan to borrow for almost everything and anything imaginable. From a brand new secondhand car or annual rail season ticket, to a dream wedding or ideal home makeover. Or perhaps just to help get their finances back on an even keel. Whether the loan is for a bathroom or a business expansion, whatever the amount, every quote is backed by the same credit and affordability checks that allows us to tailor the lowest rate for each customer.

Lightbulb loans are promoted by MI Money Ltd, who act as a credit broker and are paid for these services. Lightbulb loans are issued by RateSetter, a trading name for Retail Money Market Limited, who are authorised and regulated by the Financial Conduct Authority. (IP 633741).

Visit the Lightbulb loans website


The friendlier credit card

Customers with poor credit ratings or county court judgments against them often struggle to get credit, despite being among those most in need of affordable borrowing. Luma, designed with the kind of features commonly associated with more ‘exclusive’ credit cards, seeks to redress the balance and has accepted more than 200,000 customers.

Customers get an immediate approval decision from Luma’s application pre-screen.

Luma, issued by Capital One, is marketed by MI Money Ltd (trading as

Visit the Luma website