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Loans Eligibility Calculator Beta

Find which unsecured loans you're most likely to be accepted for Ė protecting your credit score
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For your free Experian Credit Score, affordability check, unique Credit Hit Rate and your eligibility for top credit cards & loans, join Credit Club.

Finds your % chances of getting unsecured loans

Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the loan you're most likely to get.

About the loan you want

Loan length

Loan length

The larger the loan, the longer you usually have to pay if off, so you will see the number of years you can choose to clear it rise as you select bigger amounts.

How your loan length affects the cost

Assuming the same loan, the longer the length, the less the monthly cost. However, the overall cost will rise as you're borrowing for a longer period. 

Why can't I do it by month?

Why can't I do it by month?

If we allowed you to search by month, the tool would not show all loans, as many work by the year. But when you get to the lender's site, some will offer you loans in various monthly increments, and this may work out better for you. 

The loan length needs to be 7 years max - 84 months

Weíre not being nosey, lenders require this so we need to ask.
This tool doesn't show any loans for under £1,000. Read more.
For loans under under £5,000 a credit card is usually a cheaper option and once you go below £1,000, it's so hideously expensive to get a loan that you should explore this option. However, it's not guaranteed that you'll get a big enough credit limit for the amount of money you want to borrow. For full information see the Credit Card Loans guide. 
We've had to round your loan amount up, as you can't get a loan below £1,000. Read more.
For loans under under £5,000 a credit card is usually a cheaper option and once you go below £1,000, it's so hideously expensive to get a loan that you should explore this option. However, it's not guaranteed that you'll get a big enough credit limit for the amount of money you want to borrow. For full information see the Credit Card Loans guide. 
For loans under £5,000, a credit card can be a cheaper option than getting a loan. Read more.
For loans under under £5,000 a credit card is usually a cheaper option. However, it's not guaranteed that you'll get a big enough credit limit for the amount of money you want to borrow. For full information see the Credit Card Loans guide. 
£25,000 is the max
84 Months/ 7 years is the max
Loans are not available over £50,000. Read more.
For more about loans read our Cheap Loans guide, for home loans our mortgages section and if you're in the mire our debt help guide
"Pre-selected loan term is not available for this loan amount."
Quick Calculator The cheapest loan for this amount is: 0 % APR
(representative)
£ N/A per month Now carry on to see if you can get it.

About you and your circumstances

We need this info so we can do a 'soft search' on your credit file.

Usually the only way you know your chances of getting a loan is to apply, but as soon as you do that it leaves a mark on your credit file. At MoneySavingExpert we think that's wrong, that's why we've created the Loans Eligibility tool.

The information you provide us will allow us to tell you your chances of getting a loan BEFORE you apply, meaning no mark is left on your credit file. If you're chances aren't great (usually less than 60%), then you know it's a risk to apply.

About you
Please lookup and confirm address

Please confirm address

About your circumstances
Here's the legal bit. We need you to tick this box to confirm you agree with the tool's Terms & Conditions & Privacy Policy.
MoneySavingExpert.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 303190). Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: Moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ. Telephone 01244 665700

As well as eligibility you'll get...

Free Experian
Credit Score

Lenders assess your future behaviour from your past. Your Credit Score's based on your payment history, applications, what credit you have and more.

MoneySavingExpert Affordability score

Lenders separately assess how much you can afford to borrow, factoring in income and expenditure. Our affordability score mimics that.

MoneySavingExpert Real World Credit Hitrate

What really counts is if you apply for products, will you get 'em? We show your chances of getting a basket of top credit cards & loans.

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