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Compare Loans, Credit Cards & Car Finance

The Equifax Marketplace introduces you to Aro who provide a comparison site that enables you to find credit cards, personal loans, homeowner loans and car finance offers tailored to you, all without affecting your credit score.

and many more

Why use Equifax Marketplace?

Get searching and comparing

It’s a good idea to see as many available options as possible when it comes to a new credit card, car finance, personal loans or homeowner (secured) loan. The search and comparison tool below will help you find a product suited to your needs from the panel of lenders used by Aro.

No hard searches while you search

Aro will conduct a soft search to help find the right offers for you. This won’t affect your credit report. Do remember once you apply for a loan, car finance product or credit card offer, the lender may conduct a hard search on your account.

Complete a quote and you may get a decision in minutes

Pop in all your relevant details to start comparing loans,credit cards and car finance. If accepted, you could arrange a personal loan, a new credit card or car finance in minutes. Aro’s intuitive comparison service will also help you find the right homeowner (secured) loan with a range of lenders and they offer telephone support, if needed.

Find the right credit card, loan or car finance product for you

There are many providers in the market to consider when looking for a credit card, car finance, personal or homeowner (secured) loan. The credit card, loan and car finance comparison tool helps to connect you with providers that suit your needs from the panel of lenders.

Personal Loans

Personal Loans

If you want to get approved for a personal loan, use the loan finder tool to help you search and compare options. Whether you have bad credit or want to find the lowest interest loan repayments, Aro will help you find options that suit your needs and profile.

Credit Cards

Credit Cards

The tool will help you search and compare credit cards to discover offers from trusted providers across the panel of lenders. Discover a range of options, from accounts with balance transfer offers to reward cards.

Homeowner Loans

Homeowner Loans

If you want to get approved for a secured loan, use the Aro loan finder tool to help you search and compare options. Aro will find you options that suit your needs and profile. Please note a minimum loan amount of £7,500 is required.

Car Finance

Car Finance

Want to compare car loan, hire purchase and personal contract purchase (PCP) offers side by side? Then you’re in the right place. Find and compare a range of options using the Aro car finance search tool.

Help to find the right offer with Equifax Marketplace

Discover tailored credit card, loan offers and car finance products for you, all without affecting your credit score. Get started, with three easy steps:

Compare offers

* This allows lenders and credit card providers to check your credit file to assess your eligibility. This search won’t affect your credit score. Aro use Equifax Limited and other bureaus for these searches.

Please note that Equifax is acting as an introducer to Aro Finance Limited, who will provide you with a comparison service. It is for informational use only. These services compare credit cards, car finance options, secured loans and personal loan products from various lenders. There is no guarantee that you will get a credit card, car finance product, secured loan or personal loan offer or meet a lender's eligibility criteria. Aro Finance Limited will not charge a fee for this service. If you enter into a credit agreement with a lender referred by this Marketplace service, Aro Finance Limited receives a commission. Equifax will receive a share of this commission.


Save £££s when you get a new deal

Whether you’re looking for a balance transfer credit card or a loan to consolidate debt, you may be able to save money while getting your finances in order.

Are you thinking of consolidating existing borrowing? Be aware that if you extend the debt term, you may increase the total amount you need to repay. When it comes to homeowner (secured) loans, it’s important to think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayment on a mortgage or any other debt secured on it.

Frequently asked questions

You can use a credit card to help improve your credit score. To avoid damaging your credit score, be aware of your credit limit, aim to keep your credit utilisation low while making your monthly repayments on time. Paying off your credit card balance in full monthly and not missing payments can help improve your credit score.

A balance transfer card can help you to streamline your credit card and store card debts into one place. Balance transfer cards may also offer competitive rates of interest for a period of time which can help you to reduce the interest you pay.

Rewards credit cards work like regular credit cards, except you can earn points for your spending. You may be able to use these points to redeem air miles, hotel stays, shopping vouchers, concert tickets, and more.

A cashback credit card is a type of rewards credit card. Cashback credit cards offer money back on your purchases. That means that when you use the card to buy something, a small percentage – usually around 1% - will get paid back into your account.

A 0% balance transfer card can help you avoid paying interest on a balance transfer. With a 0% balance transfer card, you can move debt from one card to another, and for an agreed period, no interest will get charged (although there may be a one off fee for the transfer).
If you can pay off your debt during that interest-free period, you will avoid paying interest on your debt. Be aware that if you miss or make a late payment during this offer period you may lose your 0% balance transfer rate. Additionally, you will pay interest on any purchases you make during the 0% balance transfer promotional period.

A 0% introductory offer is where you’re not charged interest on, depending on the type, purchases and/or balance transfers for a set period of time after opening the account. It's a temporary offer and there may be a one off fee for the initial transfer. Once it ends, normal interest rates will then apply. So make sure you make a note of when the interest-free period is set to come to an end. Again, if you miss or make a late payment, your lender could cancel your 0% offer benefits.

Yes, you can have multiple credit cards depending on your creditworthiness. Not only will this increase your overall credit limit, but each one may offer different benefits. For example, one card might give you good travel rewards, while another means cashback on groceries.
However, always remember to pay careful attention to the cards’ terms and conditions. Plus, keep a close eye on spending and repayments if you're managing more than one card. .

If you want to increase your credit limit, talk to your credit card provider. To decide whether you increase your limit, and by how much, they'll usually review your affordability, payment history and credit score.
The limit will then be changed in line with your credit profile and your overall record as a borrower.

Missing a payment on a credit card can mean you need to pay late fees. Your credit score may also be affected and the interest rate you pay may go up. For this reason, it's important to always make payments on time.
Contact your provider if you're having difficulty making repayments.

If you’re doing a credit card comparison, consider a few factors. Some aspects to look at include your general spending habits, credit limit needs (now and in future) and what other benefits you want from a credit card. This can include things such as low-interest rates, rewards or cashback.
Compare different offers widely and always read the terms carefully before making your final choice.

There are several aspects to consider when looking for a good loan option. These include the amount you want to borrow, the repayment arrangement and period, and your credit history. Use our comparison tool to help you find a suitable provider.

Interest rates vary, depending on the market and your credit score and credit history. When taking out a loan, the average interest rate would be better for someone with a good credit score than someone with a lower score.

A homeowner loan is money you borrow which is secured against your home. Be aware, your home may be at risk of repossession if payments are not made. This type of loan may benefit those who would like to borrow a larger sum of money.
Securing a loan against your home reduces the risk to the lender, not the consumer. As a result, secured loans may have lower interest rates. They often have higher borrowing limits and longer repayment periods than unsecured loans.

A secured loan requires an asset as security. Common types of assets include things like your home or a car.
If you default on your loan, then the lender can claim the asset as repayment. An unsecured loan doesn't require an asset. However, to compensate for this, they often have higher interest rates.

Yes, many lenders will offer loans to people with bad credit. However, the choices will be smaller than those with fair or good credit.
Also, interest rates may be higher, and terms might be stricter. It’s wise to compare loans to find the best fit for you.

Most loans allow early repayment. However, some have penalties or fees associated with paying them off early. Check your current loan agreement for details or ask your lender.
Or, if you’re looking for a new loan, check the terms carefully if you think you might be in a position to repay ahead of time.

Yes. In general, personal loans can be used for most legal purposes. Some common reasons for taking out a personal loan include debt consolidation, home improvements, or big purchases.
That said, some lenders might have restrictions on what funds can be used for, so always check the terms carefully.

Missing a loan payment can lead to late fees being charged. It may also affect your credit score. Contact your lender if you think you'll miss a payment. They might be able to offer a solution or help you put together a more manageable payment plan.

A personal car loan is an unsecured loan which you can use to purchase a new or used car. With a personal loan, you borrow a fixed amount from a lender, then pay it back in monthly instalments plus interest over the loan term.

With a hire purchase agreement (HP), the finance is secured against the value of the car. This means you won’t officially own the car until your last payment has been made. You’ll need to buy your car from a dealership that’s been approved by your chosen lender, then you’ll pay for your car in monthly instalments plus interest over the agreement term. Some lenders will need you to pay an initial deposit at the start of your agreement.

There are a few key differences between personal car loans vs hire purchase (HP) agreements:

So here’s a point by point breakdown.

  • You can borrow more with HP – up to £200,000;

  • HP agreements place the burden of security against your car, whereas a personal loan is not;

  • With a personal loan, you’ll always own your car from the point of purchase. But with HP agreement, you’ll own your car once you make the last payment;

  • You might need a deposit with for HP, you won’t with a personal loan;

  • You have more flexibility on where you can buy your car from with a personal loan;

  • There may be mileage restrictions with HP while you pay off your finance.