Whatever you need a loan for

Personal Loans for Any Purpose

Whatever your circumstances, we can help you find a loan to suit your needs. Thinking of making some home improvements, maybe consolidating all your debt? Let us help you compare the best loans available to you

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Why All Purpose Loans?

Using our Eligibility Checker makes you less likely to be declined for a loan every year. Eligibility Checker shows you which loan you’re most likely to be accepted for, so you can avoid the ones that are more likely to decline you. Getting declined can damage your credit score, and this makes it harder to borrow money in the future.

• How does it work?

  You give us some information about yourself, and we use this to find your credit file. We match your credit file to the criteria credit card companies give us about what kind of customer they accept, and use this to work out a score out of ten to show how likely you are to be accepted for each card. Don’t worry, we don’t leave a footprint on your credit file, so your credit score won’t be affected.

• Why do I have to give you my personal information?

  So that we can make sure we’ve got the right credit file. We only use your data to find your credit file, so we can work out your eligibility score for each loan. We won’t contact you if you ask us not to.

• How long does it take?

  It only takes a few minutes to give us the information we need to find your credit file and show you how likely you are to get each loan.

• What are ‘hard’ and ‘soft’ credit searches?

  It’s important to know how your credit file and credit score affect your financial situation. Credit rating agencies build up files on all of us based on a mix of publicly-available information (such as whether you’re on the Electoral Roll) and data from financial companies about products you have or have had, such as loans and credit cards. From this they calculate a credit score, which companies check when they’re working out whether to give you a product, and on what terms. Managing your finances well and always paying off what you owe in time will give you a good score. Missing payments, as you’d expect, will lower your score. Every time someone looks at your file, it is recorded as a ‘hard’ or ‘soft’ search. Finance companies make hard searches when you apply to them for a credit product, and each hard search remains on your credit report for two years. This matters because, for many lenders, a clutch of hard searches in a short period suggests you might be struggling to get a product, or that you’ve opened several accounts that could prove difficult to manage. Soft searches occur when you or someone else looks at your file, but not in connection with an actual application. For example, when you put your details into our Eligibility Checker, we look at your file and work out how likely you are to be accepted for a range of deals, based on what we know about various firms’ acceptance criteria. A ‘pre-approval’ search leaves no trace, so it won’t affect your score. You can use the Eligibility Checker as often as you like over any period without risking damage to your file.

You can Trust us

You can trust us, what we do is regulated by the Financial Conduct Authority. We are found on the FCA’s Financial Services Register under firm reference number 812876 as an Appointed Representative of Everything Financial Ltd who is authorised and regulated by the Financial Conduct Authority, firm reference number 742815. Everything Financial is credit broker not a lender. There is no fee for using our service.