Applying again: what to compare

A previous loan is not a new approval

The provider assesses a new application using its current requirements and your current circumstances. Recheck affordability if income, expenses or other commitments have changed.

Compare the new terms

Look at total repayment as well as the interest rate. A discount can be outweighed by a new fee, added insurance or a longer term. The discount comparison shows how different components affect an example. It is not a membership programme.

Use your actual provider

For an existing loan, use the company named on your agreement. BluCross does not hold your borrowing history or account balance. Do not send an ID number or bank statement to this website to recover an account. See where to direct a query.