Some of the Lenders who will look to quote for you

How our personalised loan search works

without negatively impacting your credit file

1. Analyses your credit file

2. Matches you with lenders

3. Shows your chances

4. Provides counter offers

It used to be that the only way you’d know whether you’d be accepted for a loan was to make an application. Accepted or not, this would leave a footprint that could make it harder to get credit in the future. Our eligibility checker tells you your chances before you apply, allowing you to only apply for credit you are likely (and in some cases pre-approved for).

Why people come to us for a personal loan

Personal Loans

The term “personal loan” is usually used to describe unsecured lending, which is typically for loans of between £1,000 - £50,000, over terms ranging from 1 and 7 years.

An unsecured loan means that the borrowing is not secured against an asset. So if you don’t keep up repayments, the lender cannot directly seize the asset from you.

The best rates for unsecured personal loans are usually limited to individuals with squeaky clean credit files and extensive credit histories.

Find a personal loan

Car Finance

Car Finance is a form of secured lending where the lender will own the car until the agreement is completed.

The 2 principal types of car finance are Hire Purchase and PCP. Hire purchase is very similar to a standard loan, except the car only becomes yours once you have made your final monthly payment.

A PCP deal will allow you to borrow more for the same monthly payment, but you will have to pay a significant lump sum at the end of the agreement to own the car or alternatively you’ll be able to hand it back instead.

Find a car loan

Consolidating debts

If you have various debts, it’s possible to combine these and pay them all off in a single loan. This is known as ‘debt consolidation’. However, make sure you understand the terms and conditions for any loan you take out. Think carefully against securing other debts against your property.

Find a consolidation loan

Home improvement

Doing up or extending your home is a great way to add value to your home – as well as giving you and your family a wonderful place to live. We can help you find the right home improvement loan for you.

Find a home improvement loan

Eligibility and affordability

Find out your chances of getting a loan before you apply without negatively impacting your credit file with the TruQuote ‘soft search’ eligibility checker. TruQuote’s loan engine will calculate your percentage chances of getting a loan before you apply, enabling you to only apply for loans you’re likely to get.

Understand more about lending decisions

Whether you are accepted for a loan and the rate offered depends on each lender’s individual criteria, based on what is known in the industry as a “scorecard”. This will be comprised of information provided to the lender directly by you, and from your credit file.

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