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Our credit card eligibility calculator will show you how likely you are to be approved for various credit cards.
See if you'll be accepted before you apply online
It won't affect your credit score
Join our Credit Club for your Eligibility Rating
Check if a loan is the right option. We've got all the info you need to make an informed decision.
If unsure, DON'T borrow. And if in a debt spiral, check out our Debt help guide.
Use our eligibility calculator to learn about your options and acceptance odds without impacting your credit score.
If you want flexible, short-term borrowing for everyday expenses or purchases you can repay IN FULL each month, a credit card is typically the way to go. They're ideal for earning rewards, building credit and benefiting from Section 75 protection on purchases.
If you need a larger, fixed amount for a planned big purchase or expense (eg, car or home improvement) and prefer structured repayments, then a loan is a better option. Loans usually have lower interest rates than credit cards for long-term borrowing and help avoid the risk of ongoing debt.
In this section, we guide you through the best credit cards and loans for your needs. Whether you want to transfer existing balances, borrow interest-free, earn rewards, or save on foreign spending, we help you find the right options.
If you're unsure which cards you might be accepted for, use our Credit Card Eligibility Calculator, which provides a 'soft search' to estimate your chances with top credit cards.
For loans, we offer guides on the best personal loans, and help you compare your options, including whether a credit card might be a cheaper alternative. Our Loans Eligibility Calculator shows which unsecured loans you're most likely to qualify for, without impacting your credit score.
If you're dealing with debt, check out our Debt Solutions and Debt Help guides for practical advice and strategies.
