Loan Calculator

We cannot say for certain as we don't perform an affordability check until you have selected a product to purchase and submitted an application. Our soft search tool can give you an indication as to whether you might be eligible for a loan from us.

As a responsible lender, fully authorised and regulated by the Financial Conduct Authority, we want to help you access affordable and flexible credit that is right for you and your circumstances. That’s why we carry out credit and affordability checks as part of our loan application process.

We do perform credit searches when you submit a loan application which will show on your credit file and may be factored into your score calculations.

Before you submit an application you can try our eligibility checker which doesn’t leave a footprint on your credit file, but will give you an indication of whether you might be eligible for a loan with us.

We do carry out credit searches—but we don’t rely on generic credit scores. Instead, we focus on how you’re repaying things right now. We might also run identity checks.

To give you the best chance of being accepted, we may ask you to share your open banking data. Sounds scary, but it’s not. It just helps us understand your financial situation better—and our numbers show it actually improves your chances of getting a “yes” from us.

Want to test the waters first? You can use our loan calculator—it will show you how much you can borrow and repayment rates, it won’t leave a mark on your credit file. Think of it as window shopping for loans.

See our privacy policy for more details.

You can repay your loan early with no penalty fees. Simply log into your customer account area and make a payment

We understand that circumstances can change and we’ll always try to work with you to rearrange a payment plan and get you back on track wherever possible.

If you need to make a payment you can do this via your customer account area. You can also request a change to your repayment schedule there.