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Financial Conduct Authority 

Authorised & Regulated

Build your Borrowing Power

Your financial behaviour affects your Borrowing Power and eligibility. By increasing your Borrowing Power, your eligibility will improve.

Your financial behaviour affects your Borrowing Power and eligibility. By increasing your Borrowing Power, your eligibility will improve.

Improve your eligibility

Good financial habits such as making payments on time and not going beyond your credit limit can have a big impact.

Good financial habits such as making payments on time and not going beyond your credit limit can have a big impact.

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The higher your Borrowing Power, the more cards and loans you could be accepted for on TotallyMoney.

The higher your Borrowing Power, the more cards and loans you could be accepted for on TotallyMoney.

Start improving your eligibility now

See exactly what factors impact your Borrowing Power and eligibility, and what you can do to improve — only in the TotallyMoney app.

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Discover more…

What is Borrowing Power?

Borrowing Power is a number out of 10 that tells you how likely you are to be eligible for credit.

The higher your Borrowing Power, the more cards and loans you could be accepted for on TotallyMoney.

What is eligibility?

Eligibility is how likely you are to be accepted for credit. If you have a good eligibility, it means the lender thinks you’re someone who can responsibly borrow and repay money.

How is Borrowing Power calculated?

Lots of data goes into creating your Borrowing Power. This includes information from your credit profile, live data about the credit market, and what we know lenders like to see in applications. This includes making sure you never miss a repayment, and are on the electoral register.


👆🏼 Click on the 'FAQs' tab above to learn more.

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See what you could be eligible for with your Borrowing Power.

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TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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