Loans Eligibility Calculator
Our loans eligibility calculator gives an indication of your likely approval chances based on income, outgoings, and credit profile — without a hard search that would affect your credit score.
Loans Eligibility Calculator
Check your chances of being approved for a personal loan without a hard credit search. No impact on your credit score.
This is a soft eligibility check with no impact on your credit score. Results are indicative — actual decisions are made by lenders.
Complete each section of the eligibility checker honestly. The score produced is indicative of your likely acceptance across the mainstream lending market — not a guarantee of approval or a specific rate. Lenders assess eligibility using their own proprietary credit scoring models combining income, employment status, credit history, existing debt load, housing status, and time at address. Credit applications in the previous three months are a red flag because each hard search leaves a mark visible to other lenders. If your score suggests lower eligibility, focus on reducing existing debt and allowing recent searches to age off your file before applying. Electoral roll registration significantly improves credit scores — register at gov.uk/register-to-vote.