totallymoneycom

TotallyMoney is a UK-based personal finance comparison site known for free credit-score checks and eligibility tools. It matches users to credit cards, loans, mortgages and insurance and provides tools intended to identify offers for which a user may be eligible without affecting their credit file.

CostFree to use

Main focusCredit scores & finance comparison

CoverageUnited Kingdom

HeadquartersLondon

Key features of TotallyMoney

Overview

01Free credit score and toolsProvides an Experian-powered credit score with monitoring and insights intended to show what lenders may see.

02Soft-search eligibility checksOffers soft-search eligibility checks that do not affect credit files; these indicate potential acceptance likelihoods.

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

Credit card comparisons

TotallyMoney’s card comparisons highlight balance transfer deals, low-rate offers and credit-builder options with eligibility indicators. The site includes filters to sort by APR, fees and rewards and provides links to partner sites for applications. The layout presents terms and representative APRs to assist comparison of costs.

Mortgages and borrowing

For mortgages and personal loans, TotallyMoney summarises rates, term lengths and typical monthly payments. The platform includes calculators and affordability tools and provides eligibility indicators to identify possible options; users can contact brokers or lenders for further details.

Top categories

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

Verdict

Key facts

Free Experian-powered credit score and monitoring
Soft-search eligibility checks are available
Clear, side-by-side comparisons and filters
Includes calculators and affordability tools

Limitations and risks

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 the 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 users are redirected to the lender or partner to complete an application. TotallyMoney matches and pre-checks eligibility but does not 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 credit scores. Full lender applications usually trigger a hard search and may impact credit files.