In partnership with
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
No hard searches while you search
Complete a quote and you may get a decision in minutes
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
If you want to get approved for a personal or homeowner 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
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
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
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:
* 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
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.
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. .
The limit will then be changed in line with your credit profile and your overall record as a borrower.
Contact your provider if you're having difficulty making repayments.
Compare different offers widely and always read the terms carefully before making your final choice.
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.
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.
Also, interest rates may be higher, and terms might be stricter. It’s wise to compare loans to find the best fit for you.
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.
That said, some lenders might have restrictions on what funds can be used for, so always check the terms carefully.
There are a few key differences between personal car loans vs hire purchase (HP) agreements:
So here’s a point by point breakdown.
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You can borrow more with HP – up to £200,000;
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HP agreements place the burden of security against your car, whereas a personal loan is not;
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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;
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You might need a deposit with for HP, you won’t with a personal loan;
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You have more flexibility on where you can buy your car from with a personal loan;
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There may be mileage restrictions with HP while you pay off your finance.