Product Finder Tool - Personalized Recommendations
Get a personalized roadmap to the right financial products. Answer a few questions to see what's right for your situation.
Navigating Financial Products
Not all financial products are suitable for everyone — circumstances vary depending on credit history, income, and current commitments. For comprehensive advice on next steps, visit our credit rebuilders hub.
Post-insolvency recovery can be challenging. While specialist lenders exist for those completing an IVA, Debt Relief Order (DRO - which has a £50,000 maximum debt limit and a £0 application fee), or bankruptcy, standard products may not be available for 6 years. Understanding your situation via our credit report guide is essential.
Products like credit builder cards are designed for thin or damaged files, but they must be used responsibly. Consider other tailored options like bank accounts for bad credit or debt consolidation loans. Always compare the total cost of borrowing, not just the headline rate, and use a credit score simulator to project how new products might affect your file.