See what’s holding you back
See what’s affecting your live credit score
Spot trends in how you’re using credit
App exclusive: Check the reasons your score changes
Know your next steps
Get notified of changes that could impact your score
Follow the actions in your personalised plan
Move closer to your goals
Make informed decisions
Look for TotallySure offers, which come with pre-approval and guarantees*
Know how likely you are to be accepted for credit with your Borrowing Power
Borrowing Power is based on your financial data and how it's viewed by lenders for products in the market
*Pre-approval is subject to credit checks. If you apply, you’ll get the card or loan, at the rate advertised, providing the information you give us is accurate and you pass the lender’s final checks.
Our promise to you
We don’t do payday lending
We’ll never show you high-cost borrowing options – only offers that can actually help you move forwards.
We always show your best options
We’ll only ever show you offers we think could help you achieve your goals – never because of the commission we earn.
We’ll never sell your data
We’ll only use your data with your permission and we’ll never sell it to third parties.
Personalised offers for every step of your journey
We’re helping people move up
TotallyMoney customers are already moving towards their financial goals
customers have seen a score increase in their first 12 months
average response time for customer queries
See why our customers love us
"As a tool for understanding your financial situation and your borrowing power I rate this app as an honest and supportive platform. Top rated in my opinion and not biased about reality in money situation answers."
“TotallyMoney has helped me build up my extremely low credit rating to satisfactory. I would recommend anyone who felt that gaining credit was out of their league. It's still #babysteps but I am willing to continue the journey. Thank you again TotallyMoney."
"TotallyMoney is great because you as a customer never feel left behind or ignored. They keep you abreast of everything to do with your finance."
"The level of detail you go into is unprecedented for a free service. Other free services feel like they're there to just sell you credit but TotallyMoney feels like it's here to help improve my credit."
"Knowledge is power as has been quoted and this applies to personal finances too. TotallyMoney provides the knowledge and information to help you make the right financial decisions."
Showing our favourite reviews
How we keep TotallyMoney totally free
Lenders pay us a fee when you get accepted for their products – that’s how we keep our app free.
We’ll never push you to apply for anything though. If you just want to check your credit report, that’s fine with us. We’re totally free, forever.