Loans Eligibility Checker

Find out how likely you are to be accepted for a loan without affecting your credit score.


    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 loan.

    Loan calculator

    This is an illustrative example. The rate you're offered depends on the loan term and amount chosen, as well as your individual circumstances.

    Error: Please select if you have a Clubcard to continue

    Do you have a Clubcard?

    It's easy to join Clubcard now and apply for a loan today.

    Error: Please let us know what you’ll use this loan for

    What will you use the loan for?

    We will only lend for debt refinancing or debt consolidation if you're 22 or older

      Error: Sorry we only offer between £3,000 and £35,000

      Error: Please make sure the total amount you'd like to borrow is between £3,000 and £35,000

      How much do you want to borrow?

      3000 35000

      Error: Sorry you can only borrow for a period of between 1 and 7 years

      Error: The maximum length of a loan in these circumstances is 3 years

      Error: The maximum length of a loan in these circumstances is 5 years

      Error: The maximum length of a loan in these circumstances is 7 years

      Over how long?

      months (5 years)
      12 120

      Calculator results

      Without a Clubcard

      Clubcard Price

      Monthly repayments


      Total repayable

      Clubcard Price
      Possible saving with a Clubcard £ Enter your Clubcard number when you apply

      Representative Example

      Representative APR, based on a loan amount of , over , at a Fixed Annual Interest Rate of , (nominal). This would give you a monthly repayment of and a total amount repayable of .

      Want to know more about our loans?

      Important information and frequently asked questions

      A loan gives you the money you need upfront and lets you spread the cost of paying it back. So whether it's a special holiday, a car or a new kitchen, a personal loan can make it more affordable.

      Loans are available to UK residents aged 18 and over. Rates will vary depending on loan amount, term and individual circumstances. Subject to status. The maximum APR you could receive is 34.5% APR.

      Tesco Bank Loans: PO Box 27014, Glasgow, G2 9FE.

        We offer unsecured personal loans

        This means that if we decide to lend you money, it won't be secured on your home, car or other assets. You can then spend this money on the things you need.

          Available repayment periods

          You can apply for a loan term from 12 to 120 months depending on the loan amount and purpose. Just remember that the maximum repayment period might be lower for certain loan purposes.

            Borrow exactly what you need

            We offer loans to cover costs big and small and you can be specific about the amount you need, down to the pound.

              How interest is charged

              The interest rate is fixed for the life of the loan.

              At the beginning of the loan we work out the interest you will pay over the whole length of your loan and add this to your loan amount. We calculate your interest charge by applying interest at a monthly rate based on the APR to the balance of your loan, as reduced by your monthly repayments. We add this to the loan amount and then divide this total by the number of monthly repayments.

              The loans calculator will give you an example of what it might cost you based on the loan amount and term you want. However, the interest rate we offer may be higher depending on your individual circumstances.

                Our loan eligibility checker quickly and easily lets you find out how likely it is that you’ll be approved for a loan – without affecting your credit score.

                  We look at things like your income and any debts against your name or place of residence to help us determine whether you’re eligible for a loan.

                    All you need are details about where you’ve lived for the last three years, how much you pay on rent or mortgage each month, your yearly wage and how much money you take home each month.

                      Our checker will work out how much you can borrow based on your monthly incomings and outgoings.

                        No, it won’t affect your credit score. If you apply for a loan and are either accepted or declined, that decision can have a positive or negative affect, but our checker will not change your score at all.

                          Find out more about how your credit score works and how to check it in our guide to credit scores.

                            Our checker uses a percentage score to show how likely it is that you’ll be approved for a loan. The higher the score, the more likely you’ll be approved. If you do apply, we’ll do a full credit search and a search of fraud prevention databases. Depending on these checks, you may still be turned down for a loan.