The affordability check first
Applying begins with an affordability check. You get an answer based on whether the monthly payment is affordable, not purely on your past.
CCJs and defaults
A CCJ or default on your file does not automatically mean no. What matters more is current affordability and the plan being realistic for your month. Refused elsewhere is not refused here — the check is different.
The honest bit
Nobody is accepted for everything, and any site claiming guaranteed acceptance is telling you a fairy tale. What this catalogue offers is a fair look: no credit check first, and a decision based on today's affordability.
Questions people ask
Will applying affect my credit score?
There is no credit check when you apply, so your credit file is untouched.
I was refused elsewhere last month. Try again?
Different shops check different things. Being refused by one shop does not settle how another will look at you.
Is 'guaranteed acceptance' real?
No. Any site promising guaranteed acceptance is not being straight with you. Fair look, no credit check, honest decision — that is the real offer.
This shopping guide is part of the same group as our partner shops. Links take you to the shop named on the button. We may benefit when you shop through them.