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Check your eligibility

Finding out how likely you are to be accepted for a credit card or loan takes just a few minutes and won't affect your credit score, so let's get started.


    Won't affect your credit score

    We run a soft check which won't harm your credit rating.


    Only takes a few minutes

    Find out in the time it takes to make a cup of tea.


    Get your percentage score

    See how likely you are to be accepted for a credit card or loan.

    Ready to get started?

    To use the eligibility checker, you'll need to have a few bits of information handy:

    • Where you've lived for the past 3 years
    • How much you earn in a year and your monthly take home pay

    Credit Card

    Representative 20.9% APR (variable)

    I'm interested in applying for a credit card.


      2.9% APR Representative for loans £7,500 to £15,000 over 12 to 60 months. Other loan amounts and terms are available but other rates may apply

      I'm interested in applying for a loan.

        Frequently asked questions

        Will using the eligibility checker affect my credit score?

        No, we’ll do a soft check that doesn’t affect your credit score.

          What is a soft check?

          A soft check lets us know how likely you are to be accepted for a credit card or loan before you apply, other lenders won't be able to see that we've completed this check.

            What does the 'percentage approval chance' mean?

            The percentage helps you understand how likely you are to be approved for a credit card or loan.

            If you have a high likelihood score, then it means you're more likely to be accepted. If you see a lower percentage, then it's less likely you'll be accepted at the moment.

              If I get a high percentage approval score from this eligibility checker, does this mean I will be guaranteed to be accepted when I apply?

              If you do apply, we’ll do a full credit search, which will show on your credit file, and a search of fraud prevention databases. There might still be a chance that we can’t offer you a credit card or loan after we’ve done these checks.

                Why have I received a 'Not Eligible' result?

                There are several factors that could result in you not being eligible for a Credit Card or Loan. In some cases, it could be as simple as the information on the form not being filled out correctly. Other reasons might be that haven’t held your current job for long enough, or there isn’t enough information on your credit history.

                Your Credit History is built up from past borrowing, such as other credit cards, mortgages, mobile phone contracts, and so on. If you haven’t had a credit card before, your credit history might be limited, in which case you may need to build your credit profile.

                You may also receive a not eligible message if you already have a Tesco Bank Loan and are using our loan eligibility checker to see if you can borrow more.

                  How can I check my credit score?

                  Take a look at our guide to understanding how your credit score works, including how to check it here.

                    What are representative rates?

                    We use representative rates when checking your eligibility for a Tesco Bank Credit Card or Loan. This means that the rates shown are only a guide, so you can easily compare products. When you apply, we may offer you a higher rate depending on your circumstances.