TotallyMoney Review: Is TotallyMoney Safe?

Andrew Reyes
A man smiles as he types away on his laptop.

U.S. consumers have plenty of innovative online tools, apps, and websites available to help them along their credit journey. The tools typically provide information and comparisons on loans and credit products, help monitor an individual’s credit report, and offer guidance on how someone can improve their credit score.

Loans, credit cards, and credit scores are related — good credit is required to achieve many important milestones, such as buying a first home, or for qualifying for a loan to finance a larger purchase. The higher your credit score, the better the chances of qualifying for a loan at the best rate available. is a safe and reliable solution for United Kingdom residents, helping users gain the same advantages as their American counterparts. The fintech is an independent credit broker, providing extensive information on credit cards, loans, and mortgages. They don’t fund the loans themselves — they connect applicants with lenders.

Working with the service may eliminate the need for a credit repair company. In addition to credit brokering, consumers will have free access to their credit reports, as well as tools designed to help them improve their credit scores.

The TotallyMoney website is free for users, although the company may receive a fee from lenders and card providers. TotallyMoney claims the fees received don’t influence the way they rank lenders. Customer reviews on Trustpilot are high, with an “excellent” rating of 4.6 out of 5 stars.

If you’re a UK resident looking to improve your chances of getting approved for a loan or credit card, signing up for an account wouldn’t hurt — the services the company provides won’t cost you any money. is a risk-free way to improve your credit score and learn which credit card and loan offers you’re likely to be approved for.

Signing up is simple — you’ll need to enter some basic personal information, such as your name, date of birth, and details that verify your identity. Once you’re signed up, you’re ready to take advantage of the website’s products. Here’s a closer look at the different services that TotallyMoney offers.

Table of Contents

Credit Report

One of the first things you’ll see after you sign up is your free credit report and score. TotallyMoney works with the three major credit reference agencies to provide you with an accurate credit report.

Secured Credit Cards

One of the most important steps you can take in improving your financial outlook is credit repair — without good credit, you’ll have trouble qualifying for loans and credit cards. The platform will provide suggestions on how you can improve your score and even help you dispute any mistakes or items on your credit report that you don’t recognize.

You may sign up for notifications if there are changes in your credit score. You’ll get a better understanding of how credit works when you start using’s credit program — the service goes one step further than letting you know there’s a change in your credit report and score by explaining why.

TotallyMoney’s most unique feature may be its Borrowing Power calculator. It uses algorithms to measure your ability to qualify for credit. The measure reveals your borrowing ability, based on “real-time lending decisions” to give you an accurate picture of which lender is willing to work with you and what loan products you may qualify for.

Once you have a good grasp on how credit works and you’ve followed the website’s guidance on how to improve your credit score, qualifying for credit cards and loans may be easier.

Credit Cards

Applying for a credit card is a gamble. There are no guarantees you’ll be approved. Plus, a credit inquiry can drop your credit score temporarily. will let you see if you’ll be accepted before you apply, protecting your credit score from an inquiry. You may even find pre-approved card offers that are ready to go, based on your credit profile.

The website organizes the variety of credit cards in a user-friendly way. You’ll find all the information you need at a glance, including fees and offers, on a variety of cards including:

  • Balance transfer;
  • Cash back;
  • Poor credit;
  • Rewards;
  • Travel credit cards;
  • Zero APR.


If you’re in search of a loan,’s comparison tool provides you with the main points you need to decide which loan may work best for you. You’ll be able to quickly see how much the loan will cost you in the form of annual percentage rate (APR), monthly payment amount, and total cost of the loan over the term length. The loans offered are:

  • Poor credit loans;
  • Guarantor (co-signer) loans;
  • Car loans;
  • Homeowner loans;
  • Alternative product loans.


One of the most important loans you can ever take on is a mortgage. Home loans typically last 30 years — getting the best rate and a monthly payment you can afford can make or break your budget for a long time. TotallyMoney’s service helps you compare a large cross-section of mortgage lenders in the UK in one place. The types of mortgages available for comparison are:

  • Standard;
  • Remortgages (refinances);
  • First-time buyer;
  • Buy to let (investment property).

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