Access lenders from the whole of the market
Get results without harming your credit score
Whatever your circumstances, we will try to help you find a loan to suit your needs. Thinking of making some home improvements, maybe consolidating all your debt? Let us help you compare all types of loans that may be available to you. With Fellorium Xantis you can compare unsecured loans, secured loans and car finance in a single enquiry and decide the best fit for your needs.
Using our soft search 'eligibility checker' will allow you to select a loan from lenders that are likely to accept an application from you. This search has no impact on your credit score.
If you make an application for a loan with a lender, the credit search leaves a footprint other lenders can see, potentially reducing your credit score AND your chances of getting future credit.
You provide some basic information about yourself; we use this to access your credit file and match your credit history to the lenders criteria.
This allows us to show you the likelihood of being accepted for a loan.
Don't worry this search does not leave a footprint on your credit file so your credit score won't be affected.
So that we can work out your eligibility score for each loan and present you with your options.
This way you can avoid applying for multiple loans you may not be eligible for and that may leave a footprint on your credit file making it more difficult for you to access a loan in the future.
Every time a search is done on your credit file, it is recorded as either a 'hard' or 'soft' search.
If you are making an application for credit, this is a hard search that leaves a mark that will be visible to other lenders on your credit file for 2 years.
This matters because, for many lenders, several hard searches over a short period suggest you might be struggling to get a product, or that you've opened several accounts that could prove difficult to manage.
However, you'll only be doing a soft search when you or someone else looks at your file, but not in connection with an actual application.
For example, when you put your details into our Eligibility Checker, we look at your file and work out how likely you are to be accepted for a range of products. This is based on what we know about providers' acceptance criteria.
This type of search cannot be seen by lenders and will not affect your score, but will be visible to you. You can use the Eligibility Checker as often as you like over any period without risking damage to your file.
Pre-approval, this means that you have passed initial credit worthiness and affordability checks, based on your credit file and the information you have provided, for a lender. If you proceed with an application, the lender may still need to verify your identity, income and undertake fraud checks and if these are passed with the lender you will get accepted for credit.
Your loan quotes
Use our leading technology to find deals from the whole of the market, giving you options to choose a loan that matches your circumstances. You'll see a range of quotes from lenders, from quotes which match exactly what you asked for, to other options that could be suitable alternatives.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
OUR COMPARISON TOOL IS FREE TO USE BECAUSE WE WILL RECEIVE A COMMISSION FROM THE INTRODUCTIONS WE MAKE TO ELIGIBILITY CHECKERS ACCESSED THROUGH THIS SITE.
Fellorium Xantis IS A COMPARISON TOOL AND CREDIT BROKER, WE'RE NOT A LENDER, WHICH MEANS WE DON'T MAKE PERSONAL LOAN OR CREDIT DECISIONS. WE MATCH THE INFORMATION YOU PROVIDE TO US WITH LENDERS OR ELIGIBILITY CHECKER PROVIDERS ON OUR PANEL. USING OUR COMPARISON TOOL GIVES YOU UNBIASED ACCESS TO LENDING PRODUCTS. ANY INFORMATION ON THIS WEBSITE SHOULD BE TAKEN AS OPINION ONLY, THIS WEBSITE IS FOR INDIVIDUALS OVER 18 YEARS OF AGE AND UK USERS ONLY.
Leave your message and we’ll get back to you as soon as possible