Borrowsmarter.Claimmore.
Plain-English guides to 50 UK loans, 30 credit cards and 50 government benefits. See the real cost, check who qualifies, then apply on the official website.
What would it cost?
Move the sliders to see a monthly repayment, then compare the lenders that fit.
You'd repay about
£0
Pick a card
Swipe through 30 cards. Tap one to see the APR, fees, eligibility and how to apply.
No transfer fee
Barclays Bank
Cashback card
Barclays Bank
Credit builder
Barclays Bank
Travel rewards
Barclays Bank
Amazon rewards
Barclays Bank
Cashback card
American Express Servic…
Rewards points
American Express Servic…
Earns Avios
American Express Servic…
Rewards points
American Express Servic…
0% balance transfers
HSBC Bank plc
0% purchases
HSBC Bank plc
Rewards card
HSBC Bank plc
Rewards card
National Westminster Ba…
Credit builder
National Westminster Ba…
Travel card
National Westminster Ba…
0% balance transfers
National Westminster Ba…
0% balance transfers
Santander plc
Cashback card
Santander plc
Credit builder
Tesco Bank
0% balance transfers
Tesco Bank
0% balance transfers
M&S Bank
Credit builder
Capital One
Credit builder
Vanquis Bank Limited
Credit builder
NewDay Ltd
Existing customers
first direct
App-based card
Lendable Ltd
App-based card
Jaja Finance Ltd
Members only
Nationwide Building Soc…
0% balance transfers
Lloyds Bank plc
Travel card
Bank of Scotland plc
What could you claim?
Tap what applies to you. 50 schemes match.
- Universal CreditStandard allowance from £338.58 a month (single, under 25) to £666.97…
- Personal Independence Payment (PIP)Daily living £76.70 or £114.60 a week; mobility £30.30 or £80.00 a we…
- Attendance AllowanceLower rate £76.70 or higher rate £114.60 a week (2026/27)
- Carer's Allowance£86.45 a week (2026/27)
- Child Benefit£27.05 a week for the eldest or only child; £17.90 a week for each ad…
- Pension CreditTops up weekly income to £238.00 (single) or £363.25 (couples), with…
- New State PensionFull rate £241.30 a week (2026/27); the amount depends on your Nation…
- New Style Jobseeker's AllowanceUp to £75.65 a week (under 25) or £95.55 a week (25 or over) (2026/27)
- New Style Employment and Support AllowanceUp to £75.65 (under 25) or £95.55 (25+) a week during assessment; up…
- Housing BenefitVaries with your rent, income, household and local housing allowance…
- Council Tax ReductionUp to 100% off your bill, depending on your council's scheme
- Warm Home Discount Scheme£150 off your electricity bill
- Winter Fuel PaymentBetween £100 and £300, depending on age and circumstances
- Cold Weather Payment£25 for each 7-day period of very cold weather between 1 November 202…
- Universal Credit Budgeting AdvanceFrom £100 up to £348 (single), £464 (couple) or £812 (with children)
- Help to SaveSave £1 to £50 a month and get a 50p bonus for every £1 saved, up to…
- Tax-Free ChildcareUp to £500 every 3 months per child (£2,000 a year), or £1,000 every…
- Free Childcare for Working Parents (England)Up to 30 hours a week of free childcare for 38 weeks a year (or fewer…
- Healthy Start£4.25 a week, or £8.50 a week for children under 1
- Free School Meals (England)A free school lunch each school day
- Maternity Allowance£194.32 a week or 90% of average weekly earnings, whichever is less…
- Statutory Maternity Pay (SMP)90% of average weekly earnings for 6 weeks, then £194.32 or 90% (whic…
- Sure Start Maternity Grant£500 per child (more for multiple births); you do not have to pay it…
- Bereavement Support PaymentPeople under State Pension age whose partner died and paid enough Nat…
- Funeral Expenses PaymentBurial or cremation fees and certain costs, plus up to £1,000 for oth…
- Disabled Facilities GrantUp to £30,000 in England, £36,000 in Wales and £25,000 in Northern Ir…
- Blue BadgePeople with severe mobility problems or certain conditions, including…
- Disabled Persons RailcardPeople with a qualifying disability, such as receiving PIP, DLA or At…
- Access to WorkVaries depending on your needs; it does not need to be paid back
- NHS Low Income SchemeFull help (HC2 certificate) or partial help (HC3 certificate), depend…
- Free NHS Prescriptions and Health Costs (England)People aged 60+ or under 16 (or 16 to 18 in full-time education), on…
- Marriage AllowanceUp to £252 off your partner's tax bill each tax year
- Tax Relief for Uniforms, Work Clothing and ToolsVaries; claim the actual cost or an agreed flat rate expense for your…
- Energy Company Obligation (ECO4)Varies; may cover all or part of insulation or heating improvements
- Boiler Upgrade Scheme£7,500 towards an air or ground source heat pump; £5,000 for a biomas…
- Crisis and Resilience Fund (England)Varies by council and need
- Support for Mortgage Interest (SMI)Interest on up to £200,000 of your mortgage (£100,000 if on Pension C…
- Student Finance Maintenance LoanUp to £9,118 living with parents, £10,830 away outside London, £14,13…
- Disabled Students' Allowance (DSA)Up to £27,783 a year for undergraduate and postgraduate students
- 16 to 19 Bursary FundUp to £1,200 a year for students in vulnerable groups; discretionary…
- Adult Disability Payment (Scotland)People in Scotland aged 16 to State Pension age with a disability or…
- Scottish Child Payment£28.20 a week for each child
- Child Disability Payment (Scotland)Parents or carers of disabled children under 16 in Scotland
- Pension Age Disability Payment (Scotland)Lower rate £76.70 or higher rate £114.60 a week
- Carer Support Payment (Scotland)Up to £86.45 a week, plus £11.70 a week Scottish Carer Supplement
- Guardian's Allowance£22.95 a week per child
- Statutory Sick Pay (SSP)£123.25 a week or 80% of normal weekly earnings, whichever is lower (…
- Disability Living Allowance for ChildrenParents or carers of children under 16 who need extra care or have wa…
- Free TV Licence for Over-75s on Pension CreditFree TV licence for the whole household
- Pension Age Winter Heating Payment (Scotland)Between £105.55 and £316.70
All 130 guides
Loans
- Barclays Personal Loan
- Barclays Car Loan
- Barclays Debt Consolidation Loan
- Barclays Home Improvement Loan
- HSBC Personal Loan
- HSBC Car Loan
- HSBC Home Improvement Loan
- HSBC Premier Personal Loan
- Lloyds Bank Personal Loan
- Lloyds Bank Car Loan
- Lloyds Bank Home Improvement Loan
- Lloyds Bank Debt Consolidation Loan
- Halifax Personal Loan
- Halifax Car Loan
- Halifax Debt Consolidation Loan
- Halifax Home Improvement Loan
- Bank of Scotland Personal Loan
- NatWest Personal Loan
- NatWest Car Loan
- NatWest Home Improvement Loan
- NatWest Debt Consolidation Loan
- Royal Bank of Scotland Personal Loan
- Royal Bank of Scotland Car Loan
- Ulster Bank Personal Loan
- Ulster Bank Car Loan
- Santander Personal Loan
- Santander Car Loan
- Santander Home Improvement Loan
- Nationwide Personal Loan
- Nationwide Car Loan
- Nationwide Home Improvement Loan
- TSB Personal Loan
- first direct Personal Loan
- first direct Car Loan
- M&S Personal Loan
- M&S Car Loan
- Tesco Bank Personal Loan
- Tesco Bank Car Loan
- Tesco Bank Home Improvement Loan
- Sainsbury's Personal Loan
- Zopa Personal Loan
- Novuna Personal Loan
- Admiral Personal Loan
- Admiral Car Loan
- AA Personal Loan
- Post Office Personal Loan
- Lendable Personal Loan
- Monzo Personal Loan
- Revolut Personal Loan
- Danske Bank Fixed Rate Personal Loan
Credit cards
- Barclaycard Platinum No Fee Balance Transfer Card
- Barclaycard Rewards Card
- Barclaycard Forward Card
- Barclaycard Avios Plus Card
- Amazon Barclaycard
- American Express Platinum Cashback Everyday Credit Card
- American Express Gold Credit Card
- British Airways American Express Credit Card
- American Express Rewards Credit Card
- HSBC Balance Transfer Credit Card
- HSBC Purchase Plus Credit Card
- HSBC Rewards Credit Card
- NatWest Reward Credit Card
- NatWest Credit Builder Credit Card
- NatWest Travel Reward Credit Card
- NatWest Longer Balance Transfer Credit Card
- Santander Everyday Long Term Balance Transfer Credit Card
- Santander All in One Credit Card
- Tesco Bank Foundation Credit Card
- Tesco Bank Clubcard Balance Transfer Credit Card
- M&S Transfer Plus Credit Card
- Capital One Classic Credit Card
- Vanquis Credit Builder Credit Card
- Aqua Classic Credit Card
- first direct Credit Card
- Zable Credit Card
- Jaja Vanta Credit Card
- Nationwide Purchase and Balance Transfer Credit Card
- Lloyds Bank Balance Transfer Credit Card
- Halifax Clarity Credit Card
Benefits
- Universal Credit
- Personal Independence Payment (PIP)
- Attendance Allowance
- Carer's Allowance
- Child Benefit
- Pension Credit
- New State Pension
- New Style Jobseeker's Allowance
- New Style Employment and Support Allowance
- Housing Benefit
- Council Tax Reduction
- Warm Home Discount Scheme
- Winter Fuel Payment
- Cold Weather Payment
- Universal Credit Budgeting Advance
- Help to Save
- Tax-Free Childcare
- Free Childcare for Working Parents (England)
- Healthy Start
- Free School Meals (England)
- Maternity Allowance
- Statutory Maternity Pay (SMP)
- Sure Start Maternity Grant
- Bereavement Support Payment
- Funeral Expenses Payment
- Disabled Facilities Grant
- Blue Badge
- Disabled Persons Railcard
- Access to Work
- NHS Low Income Scheme
- Free NHS Prescriptions and Health Costs (England)
- Marriage Allowance
- Tax Relief for Uniforms, Work Clothing and Tools
- Energy Company Obligation (ECO4)
- Boiler Upgrade Scheme
- Crisis and Resilience Fund (England)
- Support for Mortgage Interest (SMI)
- Student Finance Maintenance Loan
- Disabled Students' Allowance (DSA)
- 16 to 19 Bursary Fund
- Adult Disability Payment (Scotland)
- Scottish Child Payment
- Child Disability Payment (Scotland)
- Pension Age Disability Payment (Scotland)
- Carer Support Payment (Scotland)
- Guardian's Allowance
- Statutory Sick Pay (SSP)
- Disability Living Allowance for Children
- Free TV Licence for Over-75s on Pension Credit
- Pension Age Winter Heating Payment (Scotland)
WisePips is an independent information website. We are not a bank, lender, credit broker or government body, and we don't make lending decisions. Credit is subject to status and affordability checks by the provider. Government benefits are always free to claim through official channels. Repayment figures are illustrations only.