Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
When you apply, lenders and service providers contact their preferred credit reference agencies to check your credit record, which may highlight any potential risk of offering you credit. This information could also influence any interest rates and the amount of credit offered.
Lenders and other service providers also do their own credit scoring (PDF 69.8kb) when you apply for credit, looking at information from your credit record. They also consider other factors like affordability and past account history.
All lending is subject to an assessment of your circumstances.
With any type of borrowing, fees and interest could apply. To limit these costs, you should only borrow what you can reasonably afford to repay, over the shortest possible term.
Do you need something predictable, flexible, or a little credit just to tide you over?