Loan Eligibility Checker
Our loan eligibility checker gives a quick indication of whether you are likely to be approved for a personal loan — with no hard credit search and no impact on your credit score.
Loan Eligibility Checker (Basic)
Quick check of your loan eligibility. For a full assessment use our Loans Eligibility Calculator.
The eligibility checker assesses your profile against typical lender criteria for personal loans. Income, employment type, length of service, housing status, existing credit commitments, and recent credit history all feed into the assessment. Results show the likelihood of acceptance across the market and the rate tier you are likely to access. Lenders use their own proprietary models and two lenders may reach very different conclusions on the same application. If you are close to a credit threshold, taking steps to improve your file — reducing outstanding balances, waiting for recent searches to age off, correcting any errors on your credit report — can meaningfully improve both acceptance likelihood and the rate offered.