Credit score ranges
We outline the three main credit reference agencies and explain their score ranges so you can understand if you have a good or bad credit score.
Soft credit checks
We use a soft credit check at the point of application, which does not affect your credit score. Read more about soft and hard credit checks in our guide.
Lenders will do affordability checks when you apply for finance. This helps them decide whether or not to lend to you. Find out more about them here.
What does APR mean?
Annual Percentage Rates (APR) get added on to all loans. If you have bad credit, you might be charged a higher APR – find out what that means in below.