Check your approval chances, find out how much you can borrow, and understand exactly what’s holding you back — before you apply anywhere.
Built by someone with 15+ years in finance. No lender affiliations. No referral fees on tool results.
How results work
Your profile meets lender criteria across the board. Good position to apply — a broker or lender can take it from here.
Some factors work against you. Not all lenders will approve, but a specialist can find the right match.
One or more significant blockers are present. Work through the improvement plan before applying anywhere.
Four questions. Two minutes. A clear result with reasons and next steps.
Tools
Full picture assessment. Returns Strong likelihood, Possible, or Unlikely — with reasons and improvement steps.
Check my chances →CapacitySafe borrowing amount and upper ceiling based on your income, expenses, and existing debt.
Calculate capacity →RepaymentsMonthly repayment and total cost based on loan amount, term, and your credit score band.
See repayments →From the guides
Most declines come down to five factors — and credit score is only one of them. Here’s what lenders actually look at, and what you can do about each one before applying again.
8 min read · Updated Apr 2026
Read the guide →Lenders don’t just look at income. Here’s what actually determines your ceiling.
6 min read · Updated Apr 2026
Read the guide →Gambling transactions, overdrafts, BNPL — what each one signals to a credit assessor.
10 min read · Updated Apr 2026
Read the guide →A specialist can tell you exactly where you stand and what to do next.
This is general information only and not financial advice. Results are indicative and may vary by lender.