A free, anonymous cash-flow check for the personal loan you're considering — no personal data, no credit search, no sales pitch. Not a credit decision.
Run My Cash-Flow CheckInformation only — not financial advice.
Agentic Money is not authorised or regulated by the FCA. These figures are factual statements about your monthly cash flow given the inputs you entered. They are not a credit decision, a personal recommendation, or a prediction of lender approval. UK unsecured-loan decisions are driven primarily by your credit file and a lender-specific affordability assessment — neither of which this anonymous tool can replicate.
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How is the monthly repayment worked out?
Standard amortisation — every month you pay the interest charged on what's still owed,
plus a slice of the original loan. Early months are mostly interest; later months are mostly
principal. By the final month the balance reaches zero. It's the same maths every UK lender
and Excel's PMT() function use.
How UK lenders actually assess affordability
UK lender rules · representative APR · credit file weight · current lender caps
Before issuing a personal loan, a UK lender has to look at all of these — not just one ratio or rule of thumb:
UK regulators have specifically warned lenders not to lean on a single arithmetic ratio in place of this full picture. Source.
The "representative APR" on a UK loan advert only has to apply to at least 51% of borrowers who actually take out a loan in response to that advert. Up to 49% can pay a different rate — almost always higher.
Your actual rate depends on your credit file, income stability, and the lender's risk model — there's no published formula.
Soft vs hard search: "Eligibility checkers" use a soft search (no effect on your score, only you can see it). A full application is a hard search and stays visible to other lenders on your file for about 12 months (Experian) or up to 2 years (Equifax, TransUnion).
Mainstream UK unsecured personal loans typically top out somewhere between £25,000 and £50,000, depending on the lender. The exact ceiling varies by bank and is usually higher for existing customers than new applicants.
Above roughly £50,000 you're generally into secured borrowing — a second-charge mortgage or similar product where the loan is backed by your home. Different rules and risks apply.
Lender ceilings move over time. Check each lender's current product page before applying. Agentic Money does not introduce, recommend or earn a commission from any UK loan lender.
Use eligibility checkers first
Soft search only — no effect on your credit file. Most major lenders offer one. Skip straight to a full application and it's a hard search on your file for ~12 months.
Compare total cost, not just APR
A lower APR over a longer term can mean paying more interest overall. Look at total repayable across the whole term.
Check your credit file first
You can request a free statutory report from each of the three UK credit reference agencies (Experian, Equifax and TransUnion). Several free credit-monitoring apps repackage this data for ongoing access. Disputing inaccuracies before applying can materially shift the APR you're offered.
Speak to a free debt charity if anything feels tight
StepChange, Citizens Advice and National Debtline are all FCA-regulated free advice services. They can run a full affordability assessment with you (using the Standard Financial Statement) that no anonymous calculator can replicate.
Information only. This calculator reports factual numbers about your cash flow given the inputs you entered; it does not predict lender approval or constitute regulated advice. For advice tailored to your circumstances, speak to a regulated financial adviser or a free debt charity (StepChange, Citizens Advice, National Debtline) before borrowing.
Next steps
Apps that could help free up cash for repayments
If your verdict above is amber or red, the most useful next step is usually to free up monthly disposable income. These two UK money-management apps tackle that from different angles — they're complementary, not interchangeable.
These are not recommendations. Borrowing is a long-term commitment — only take on debt you can comfortably repay through the full loan term. Tools listed are provided for information only; please research your options and read each provider's terms before signing up.