Credit card eligibility checker


Improve your eligibility for credit cards with a boost to your credit score

LOQBOX offers a cost-free 12-month savings plan designed to improve your credit so that you can get approved for more products and lower rates.

  • Save from £20 to £200 a month
  • Build and improve your credit history
  • Once you’ve finished unlock your savings

How can I improve my credit score and borrowing options?

If your results don’t contain any suitable cards for your needs, don’t despair. Your credit score may be affecting the range of cards available to you. Don’t know whether you have a good or bad credit score? You can use our free credit score and report service to find out. There are several things you can do to improve your credit score, so that next time you check your eligibility, you get a better outcome.

In the interest of full disclosure, we should mention that, while our list is comprehensive, it doesn’t contain every single card on the market. The benefit of checking your eligibility through Finder is that this doesn’t affect your credit score, even if you don’t get the results you were hoping for.

It’s also important to note that while your credit score is important, it’s not the only factor card issuers consider when deciding whether or not to offer a deal. Your income and outgoings will also be a key factor, for example.

Will Finder’s credit card checker impact my credit score?

No, using Finder’s credit card checker will not appear on your credit file, and has no affect on your credit score. When you use our eligibility checker, a “soft” credit check will be performed but this is simply used to find the cards that you’re likely to be approved for, and does not impact your credit score in any way.

How will my information be used?

You can see how your information will be used by reading our terms and conditions.

What happens next?

Once you’ve completed the eligibility checker, you can click “See your cards” to find out which credit cards you’re likely to be approved for. We use a rating system to show your likelihood of being approved, which ranges from “pre-approved” to “not eligible”.

How are the results shown?

You’ll receive your results as a comparison table that lists all relevant credit cards based on how likely you are to be approved. You can then find out more about a certain card by clicking on “More info”, or apply for the card by clicking “Go to site”.

How long are my results valid for?

Your results should remain valid for as long as your credit file remains the same, or until providers make changes to their eligibility requirements. Credit files are generally updated once each month, but this can vary depending on the credit reference agency.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

More guides on Finder

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