Can you borrow? Try it.

Move the sliders. See how a lender scores your finances. All numbers stay in your browser.

Money you receive each month (after tax)

Fixed costs (home, bills, food, travel)

Debt payments each month Include loans, cards and buy-now-pay-later.

Gambling spend (% of income)

Cash withdrawals (% of income)

I use buy-now-pay-later A direct debit failed I use my overdraft I am on the voter register

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Fastest ways to raise your score

This page copies the scoring rules in fiduciary/analysis/credit_affordability.py. It is a teaching tool. It is not a real credit score and it is not advice.