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Representative APR


Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount £1351.20 and total interest is £601.20. 12 monthly payment of £112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on the mean APR of the lenders we work with

My Financial offers a free credit score checker – so you can find out your credit score in minutes and make regular improvements so you can access the best deals for loans, credit cards and mortgages.

An individual’s credit score can go up or down on a regular basis depending on how well we pay for things like credit cards, loans and other bills.

You can now get access to your credit score on demand, whether you log in or download an app – and you can find ways to maximise your score, giving you access to the best deals for all types of financial products.

What Are Credit Scores?

Credit scores are given to everyone when they turn 18 and they are a numerical value calculated by the three main credit reference agencies (Experian, CallCredit and Equifax) and used to assess your ‘creditworthiness.’

Potential lenders and providers of credit cards, car finance, mortgages and loans use your credit score to determine where you are a good person to give credit too.

The rule of thumb is: if you repay your debts on time, your credit score will improve or remain high. If you miss repayments and default, your credit score will fall.

The higher the number of your credit score, the better, and the scores will vary depending on the credit reference agency e.g

Experian (0 to 999)

Equifax (0 to 700)

CallCredit (1 to 5)

Things Included in Your Credit Score Are:

Why Should I Check My Credit Score?

Get Access to Better Credit Rates

The lowest rates and highest approvals for personal loans and credit cards are reserved for people with good credit histories. This is because lenders feel confident that the loan will be repaid on time if the customer has demonstrated a strong history of paying off similar products in the past. The individual will usually need to have a regular income and not have too many loans open, but having a good credit score is one of the main factors used by lenders to determine eligibility.

Vital for Getting a Mortgage or a Car

If you are interested in getting a mortgage for a new home or buying a car on finance, your credit score will always be taken in account. Improving your credit score and making it as high as possible can help you get one step closer to your dream home or car.

Get Pre-Approved Offers

Companies that offer credit reports can also give you access to loan deals and offers based on your credit score and eligibility. This can save you time from applying with multiple lenders and give you access to fast finance when you need it.

Easy Error Corrections

Credit score checkers will also give you some simple ways to boost your credit score that you may not have considered or known about. This could include joining the electoral roll or closing down any accounts that you do not use.

Check Your Credit Score Live

You can now check your credit score in real-time, helping you stay on top of your credit rating and make improvements. If you are in the process of getting a mortgage or actively looking to improve your credit score, you can now use the app to check your credit report live.

Your free credit score report can also send you alerts by email, text or push notifications letting you know if your score has gone up or down. Also, if there is any unusual activity such as lots of applications made in your name or fraud, you will be alerted very early on and can take action.

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