What credit would I be approved for?

Simply speaking, the higher your credit score, the more likely you are to be offered the best products, and with better interest rates. But we can never make guarantees on what you would and wouldn’t be approved for.

Each lender will have their own criteria. So even if your credit score looks perfect, it might not make the cut because of the lender’s current risk appetite, for example.

Rather than focusing on achieving a specific score, it’s best to focus on your credit health as a whole. This includes things like having a mix of open and closed accounts, tidying up any old financial associations, and making sure you’re on the Electoral Roll, to name a few.

Having a healthy credit report will stand you in better stead when making a credit application. Whether it be for a credit card, car finance, or trying to buy your first home.

Check in with your credit health

We break down up to six years of credit history into one simple-to-use, independent and highly confidential review. Here, you can understand your habits, pinpoint patterns and spot any errors that could be impacting your overall credit health — without affecting your score. Get started now