Personal finance
Borrow
Compare credit cards, personal loans, mortgages, car finance and credit score tools from trusted UK lenders — clearly and for free.
Find your route
Which borrowing product may suit your goal?
Start with the outcome you need, then compare products that typically match that goal. Product pages cover costs, eligibility and risks in more detail.
Fixed-sum borrowing
Need a set amount with fixed repayments over an agreed term?
Buying or remortgaging a home
Looking to buy a property, remortgage or compare home-finance options?
Financing a vehicle
Looking to spread the cost of a car or compare vehicle-finance options?
Combining existing debts
Want to simplify several repayments into one new borrowing arrangement?
Secured borrowing
Considering a homeowner or second-charge loan secured against your property?
Rebuilding credit
Looking for products or guidance designed for limited or impaired credit histories?
Borrowing basics
How borrowing works
A simple path before you open a product page. Soft searches, affordability and product-specific risks are explained on each comparison page.
Step 1
Compare
Compare rates, fees, repayment terms and eligibility features.
Step 2
Check eligibility
Where available, use a soft eligibility check before submitting a full application.
Step 3
Understand the total cost
Review the monthly payment, total amount repayable and any fees before deciding.
Estimate repayments with our loan calculator or mortgage calculator, or check your credit score before you apply.
Guides
Popular borrowing guides
Cross-cutting explainers. For product detail, open the relevant comparison page.
10 min
How loans work
APR, repayments, secured vs unsecured borrowing and what to check before you apply.
Read guide8 min
Personal loans explained
How unsecured personal loans work and how to compare total cost.
Read guide10 min
What is representative APR?
How example rates work — and why your offered rate may differ.
Read guide9 min
How credit checks work
Soft vs hard searches, eligibility checks and what lenders may consider.
Read guide5 min
Secured vs unsecured loans
How security works and what happens if repayments are missed.
Read guide8 min
Buy Now Pay Later
How BNPL works, missed-payment risks and how it compares with cards.
Read guide7 min
How to improve your credit profile
Practical UK steps before you apply for borrowing.
Read guide7 min
Debt consolidation explained
When combining debts may help — and when it can cost more.
Read guide5 min
What happens if I miss a repayment?
Fees, credit-file impact and what to do if you fall behind.
Read guideBrowse all money guides.
Need help with debt?
Free and independent debt support
If you are struggling to meet repayments, missing essential bills or feel that more borrowing may make things harder, free independent help is available. These are external resources and do not endorse WiT Money.
How we review borrowing information
- UK-focused editorial research
- Product information reviewed against provider sources
- Content reviewed regularly
- Commercial relationships do not determine factual content or editorial guidance
Last reviewed: 16 September 2026 · Product data last checked: 16 September 2026
Found something outdated? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
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Useful next steps across related products and tools.
Need help choosing borrow options?
Use our free tools and guides for clearer next steps.
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