Personal Loan
For home improvements, a big purchase, or a one-off expense you'd rather spread out.
Check Eligibility
Clear rates · No hidden fees
Borrowing that makes sense, support that actually helps
Compare straightforward loan options, see your estimated repayments upfront, and get practical help improving your credit score — all in one place, with no pressure and no jargon.
£0
Cost to enquire
4.8/5
Customer rating
2 min
Average decision
Loan options
Pick the borrowing that fits
Four core products, each with the key numbers shown before you apply — so there are no surprises further down the line.
Car Finance
Hire purchase and PCP options for new and used vehicles, with clear final-payment terms.
Check EligibilityHome Improvement
Larger borrowing secured against your property, with lower rates and longer terms.
Check EligibilityDebt Consolidation
Combine several expensive debts into one lower monthly payment — with a clear payoff date.
Check Eligibility
Credit support
A better score is usually a few habits away
Most credit files contain at least one fixable issue. We help you understand what's on yours, what actually moves the needle, and what to ignore.
- Free file review. We walk through your report line by line and flag anything inaccurate or outdated.
- Error disputes handled. Incorrect defaults, duplicated accounts, and wrong addresses get challenged properly.
- Practical rebuilding plan. Small, realistic steps — not vague advice about "using credit responsibly".
- No credit-score promises. We tell you what's realistic for your file instead of selling you a number.
Example score improvement
In this example, the client moved from 571 (Fair) to 682 (Good) over nine months after clearing two incorrect defaults and reducing card utilisation.
Our approach
What we won't do
The lending industry has some bad habits. These are the ones we've deliberately designed out.
No upfront fees
You never pay us to check eligibility or see your matched offers. If we're paid, it's by the lender afterwards.
No hard search by default
Enquiry searches leave no mark on your credit file. A hard search only happens if you choose to proceed.
No misleading headlines
We show representative APR alongside the actual rate you're offered — and we explain what that difference means.
No pressure tactics
No countdown timers, no "last chance" popups. Offers stay in your account for 30 days to decide properly.
Customer stories
Borrowing without the dread
Feedback from people who used the service in the last year.
★★★★★
I'd been rejected twice elsewhere and assumed I was out of options. The soft search here showed me three lenders who would actually accept my file. Took the second offer and the rate was better than I expected.
★★★★★
The credit file review was the useful part. They found a default from a phone contract I'd cancelled years ago, still sitting there wrongly. Once that came off, everything else got easier.
★★★★★
What I appreciated was being told not to borrow. My numbers didn't support consolidation, and they said so plainly rather than pushing a product. That's why I'd come back.
Common questions
Straight answers
If something isn't covered here, the contact form below reaches a real person.
Will checking my eligibility affect my credit score?
No. Eligibility checks use a soft search, which is only visible to you and leaves no mark that other lenders can see. A hard search — the kind that can affect your score — only happens if you decide to submit a full application with a specific lender.
What credit score do I need to be accepted?
There's no single threshold — lenders weigh income, existing commitments, and payment history alongside your score. Some of our lending partners specialise in applicants with limited or imperfect credit. Because the eligibility check is a soft search, it costs nothing to find out what's realistically available to you.
How much does this service cost me?
Nothing. Eligibility checks, matched offers, and the credit file review are all free to you. Where a loan completes, we're paid a commission by the lender. That commission doesn't change the rate you're offered, and we show you the full cost of any loan before you commit.
Can you guarantee my credit score will improve?
No, and nobody honestly can. Your score is calculated by credit reference agencies using their own models. What we can do is identify factual errors that shouldn't be there, help you dispute them correctly, and give you a realistic plan for the things within your control. Results vary by file.
What happens to my personal information?
Your details are used to match you with suitable lenders and are shared with a lender only once you choose to proceed with their offer. We don't sell data to third-party marketers. You can request deletion of your information at any point by contacting us.
What if I'm struggling with existing debt right now?
Then a new loan is usually not the right answer, and we'll tell you that. Free, impartial debt advice is available from StepChange, Citizens Advice, and National Debtline. We'd rather point you there than sell you borrowing that makes things harder.
Get started
Check what's available to you
Fill in the form and we'll run a soft-search eligibility check, then come back with the options you actually qualify for. No obligation, no cost, no mark on your file.
Call us
0800 000 0000 · Mon–Fri, 9am–7pm
Email
support@easyloansandcreditsupport.info
Response time
Usually within one working day
Eligibility enquiry
All fields marked with * are required.