Get Your Free Eligibility Score

  • See your chances of getting credit
  • Get tips to help you improve your score
  • Unlock your borrowing power
  • Take the guesswork out of applying

The UK average is

out of 1000

Find out your score

For a straightforward look at how likely you are to be accepted by lenders and what you can do to take control of your personal finances, check your eligibility score today

Find out your score

Making the right choices simple

Free eligibility report

See at a glance how attractive you are to lenders. Whatever your goals, sign up for this practical report and take the first step towards making them happen.

Get your report

Top cards

Whatever your financial plans, we’ll help you find the credit cards you’re most likely to be accepted for.

See your top cards

Eligibility check

See at a glance how attractive you are to lenders. Whatever your goals, sign up for this practical report and take the first step towards making them happen.

Check eligibility

Intelligent alerts

Receive free, personalised email alerts for credit cards that you could be accepted for. You can also find out when you become eligible for a new credit card. Simply check your eligibility to get started.

Get started

Match factor

All your loans and credit cards search results are ranked based on your eligibility score, product feature details and our expert knowledge of lenders.

Eligibility Stories

Evan was a victim of identity theft, which left him looking for a way to rebuild his credit rating. A friend recommended TotallyMoney.com and he was able to get accepted for a credit card and start to get back on track.

Find Credit Cards

Compare the leading cards and see which are most likely to accept you.

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Compare Loans

Find out which loans you qualify for without affecting your credit rating.

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Search Mortgages

See 5,000+ mortgages and broker-exclusive products. No-one has a wider range.

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I wanted to get a credit card for emergency use only and to help build my poor credit score, I applied for a few and always got turned down until I tried this site and got accepted with the first card I applied for.
Louise A
Quick and easy to use kept me informed every step of the way great service.
John Jakes

What do you want to do?

Find cheaper credit

You could be paying more interest than you need to. Check your eligibility to see if you can get a lower APR card.

Check eligibility

Build your credit rating

Start here if you’re new to credit or have a poor credit history – these cards are designed for people like you.

Find cards

Cut your credit card bill

Transfer your balance to a 0% card and save on interest payments. These cards could help you pay off your balance more quickly.

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Buy now pay later

Buy now pay later, with this 0% purchase card. There’s no cheaper way to borrow money over the term of the offer.

Find cards

Take control of your finances

Visit the Credit Academy for straight-forward, practical information and easy-to-follow action plans to help you boost your credit eligibility.

Getting Credit for the First Time

Having bad credit and no credit are two very different things. Find out how to build your credit score if you are young or new to the country.

Read Guide

Understanding your credit score

It’s a great mystery to some of us, but understanding your credit score can give you a better idea of what lenders are looking for and increase your chances of being accepted.

Read Guide

8 Reasons Why You Need a Credit Card

Yes, there really are eight (at least). Find out how the new world of online credit comparison is helping people save money and get great deals on credit cards the never knew they needed.

Read Guide

Visit the Credit Academy for more credit eligibility guides and tips

Popular in the Media

UK Credit Divisions Revealed

Ever wondered how creditworthy your neighbours are? Or how your chances of getting credit stack up against the rest of the country? Check the credit eligibility scores for your local area and beyond with this interactive map.

See the map See more articles, infographics and stories ⇒

As seen in

TotallyMoney.com offers free services to help you understand your credit record and track your score month by month
Another useful tool from TotallyMoney.com is an eligibility checker – where your credit record is checked against all the credit cards on the market and it tells you which ones you are most likely to be accepted for.