totallymoneycom

TotallyMoney is a UK-based personal finance comparison site known for free credit-score checks and easy eligibility tools. It matches users to credit cards, loans, mortgages and insurance, helping you find offers you’re likely to be accepted for without harming your credit file.

CostFree to use

Main focusCredit scores & finance comparison

CoverageUnited Kingdom

HeadquartersLondon

Why choose TotallyMoney

Three reasons readers rely on TotallyMoney

01Free credit score and toolsAccess your Experian-powered credit score and use free monitoring and insights to understand what lenders see before you apply.

02Soft-search eligibility checksCheck likely acceptance with soft searches that won’t affect your credit, reducing risky applications and improving your chances of success.

03Wide product comparisonCompare cards, personal loans, mortgages and insurance from multiple lenders with clear APRs, fees and representative examples in one place.

Credit cards made clearer

TotallyMoney’s card comparisons highlight balance transfer deals, low-rate offers and credit-builder options with eligibility indicators. Use filters to sort by APR, fees and rewards, then follow partner links to apply. The site’s layout makes complex terms and representative APRs easier to scan so you can compare practical cost, not just headline rates.

Mortgages and borrowing

For mortgages and personal loans, TotallyMoney summarises rates, term lengths and typical monthly payments, helping you shortlist lenders. The platform’s calculators and affordability tools clarify repayment scenarios, while the eligibility signals point to realistic options — a helpful starting point before speaking to brokers or lenders directly.

Top categories

Credit cardsBalance transfer cardsCredit‑builder cardsPersonal loansMortgagesCar financeInsuranceFree credit score checks

Verdict

What we like

Free Experian-powered credit score and monitoring
Soft-search eligibility reduces wasted applications
Clear, side-by-side comparisons and filters
Helpful calculators and affordability tools

Worth knowing

UK-only coverage — not helpful for international users
TotallyMoney is a broker/comparison site, not a direct lender
Some offers routed through partner links may change without notice

Frequently asked

Is TotallyMoney free and are there hidden fees?

Yes — using TotallyMoney’s comparison tools and viewing your credit score is free. Offers listed are from lenders who set their own fees; any product charges are shown on the lender’s page.

Can I apply directly through TotallyMoney?

In most cases you’re redirected to the lender or partner to complete an application. TotallyMoney helps match and pre-check eligibility but doesn’t lend the money itself.

Does using the site affect my credit score?

The site’s eligibility checks typically use soft searches that do not affect your credit score. Full lender applications usually trigger a hard search and may impact your file.