Free tools for UK lenders
Quick, free calculators and checkers for affordability, cost of credit and the Consumer Duty. No sign-up. Built by Credit Canary.
Website health check
Check any lender website for email safety, security, search visibility and speed. Scored out of 100, in seconds.
Check a siteAffordability calculator
Estimate disposable income and a debt-to-income ratio, and whether a new repayment looks affordable.
Open toolLoan repayment & cost of credit
Monthly repayment, total repayable and total interest from the amount, APR and term.
Open toolConsumer Duty readiness checker
A 10-question self-assessment against the FCA Consumer Duty outcomes, with a score and focus areas.
Open toolMore free resources
In-depth guides for UK lending and credit teams.
Risk appetite, affordability, Consumer Duty and more.
Plain-English definitions for UK lending and credit.
Original research on UK lending and digital performance.
How Credit Canary compares across the market.
The real thing, not an estimate
Credit Canary runs verified affordability, decisioning and payments for UK lenders from real data.
Explore the platform