How we get paid
This site is free to use. Here's exactly how it's funded.
Our partner
Our apply buttons and product links go to our partner shop, our partner shop. If you apply or buy through those links, we may be paid. That's how we keep the tool and guides free.
What it doesn't change
The Acceptance Finder gives the same advice whatever you answer, including telling you to wait, fix your file first or not borrow at all.
Cookies
With your permission we use one cookie to count visits and see which pages people find useful. If you say no, nothing loads. To change your choice, clear this site's data in your browser.
Borrowing responsibly
Only spread the cost if you can afford every payment. Free, confidential debt help is available from MoneyHelper and StepChange.