A simple check can help you find out which unsecured loans you're most likely to be accepted for, before you apply.

By only applying for loans you've got the highest chance of getting, you could save time and avoid harming your credit record with rejected applications.

How to use our eligibility checker:

  1. 1.

    Complete the form by entering the loan type, amount and term you're looking for, followed by your personal details.

  2. 2.

    Submit your information to see your results in our comparison table.

  3. 3.

    You'll get a chance of acceptance score for each loan in the table, shown as a percentage.

  4. 4.

    Compare the loans with the highest scores and click 'See Deal' to start your chosen application on the lender's site.

If you want to change the loan details, you can run the check as many times as you need, without affecting your credit score.

How does it work?

We partner with HD Decisions, a part of Experian who use credit reference agencies to run a soft search on your credit file.

By looking at your credit history, how much you want to borrow and the lender's criteria, a likelihood score is generated for each loan.

This won't affect your credit score or your chances of being accepted for credit in the future. You'll be able to see that your record has been checked but it won't show up on any checks that lenders run if you apply for credit.

What if the check hasn't worked?

It may be because you can't be found from the details you've entered. Double check you've typed your name, address and date of birth correctly.

Type your full name rather than a nickname and if you've recently moved, it may be too early to run the check.

On rare occasions, the service will go down and you'll get a message telling you it's unavailable at the moment and to try again later.

Can we guarantee you'll be accepted?

A high score isn't a guarantee of acceptance but it's a good indication, as long as you pass the lender's fraud and credit checks.

The results you get are only valid at the time of checking and may be different if your circumstances change.

If you get accepted for a loan, the rate you're offered may be different to the advertised representative APR. This is because only a minimum of 51% of people who apply will get this rate, depending on their credit score.

How to improve your chances of acceptance

A low chance of acceptance may be because:

  • You have little or no credit history to check (e.g. you've never borrowed credit before)

  • Your credit history is poor (e.g. you've missed payments in the past)

  • You don't meet the lending criteria at this time (e.g. their minimum age)

Here's how to check and improve your credit record.

Loan eligibility FAQs


Why do you need my personal details?


We need them to help us find your credit history and generate your chance of acceptance scores.


Which types of loan can I see my chances of acceptance for?


We can show you results for unsecured loans which can include bad credit loans or peer to peer loans. You can check your chances of acceptance now.


What if I want a secured loan?


This tool only works for personal loans. You can compare secured loans here or get expert help to find one using our broker.


Can I get a loan with bad credit?


It's harder to borrow with bad credit but using our eligibility checker will help you see the loans you're most likely to get. Compare bad credit loans here.


Can I get flexible repayments on my borrowing?


Yes, these lenders can offer flexible repayment options e.g. payment holidays, but it could take longer and cost more to pay your loan off.


Why don't I have a score for every loan?


If you've got scores for some loans, the check has been successful. Not all lenders have signed up to the service, so we can't get scores for every loan.


How much will my monthly repayments be?


Once you know the amount you can borrow, the term and APR, use our loan repayment calculator to see your monthly repayments and total loan cost.