Loan Eligibility Calculator United Kingdom
See how much you can borrow in United Kingdom on your salary in GBP, and what United Kingdom banks actually require before they approve you.
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Borrowing requirements in United Kingdom
What you can borrow in United Kingdom is set by your income in GBP and your existing commitments. Buzdy holds published eligibility terms for 26 lending products from 48 banks in United Kingdom — the real requirements are listed below.
Looking for a credit card, a loan or a savings account in the United Kingdom?
Compare what banks in the United Kingdom actually offer — rates, fees and eligibility, updated for 2026.
Credit card eligibility in United Kingdom
| Card | Bank | Minimum income | Minimum age | Salary transfer |
|---|---|---|---|---|
| HSBC Cash+ Credit Card | HSBC | Minimum salary AED 8,000 | — | Not Required |
| Purchase Plus Credit Card | HSBC | Annual UK taxable income or pension, before tax, of £6,800 or more | — | Not Required |
| Reward credit card | Royal Bank of Scotland | Earning at least £10K per year | — | Not Required |
| The Royal Bank Credit Card | Royal Bank of Scotland | Earn £10k+ each year | — | Not Required |
| Balance Transfer credit card | Royal Bank of Scotland | Earn 10k+ each year | — | Not Required |
| Longer Balance Transfer card | Royal Bank of Scotland | Earn 10k+ each year | — | Not Required |
| Purchase/Balance Transfer card | Royal Bank of Scotland | Earning at least £10K per year | — | Not Required |
| Co-operative Members Card | The Co-operative Bank | Earn a minimum of £10,000 per year | — | Not Required |
| 3-year fixed rate credit card | The Co-operative Bank | Earn a minimum of £10,000 per year | — | Not Required |
| Balance Transfer Credit Card | The Co-operative Bank | Earn a minimum of £10,000 per year | — | Not Required |
| Classic Credit Card | HSBC | Annual UK taxable income or pension, before tax, of £6,800 or more | — | Not Required |
| Rewards Credit Card | HSBC | Annual UK taxable income or pension, before tax, of £6,800 or more | — | Not Required |
| Balance Transfer Credit Card | HSBC | Annual UK taxable income or pension, before tax, of £6,800 or more | — | Not Required |
| HSBC Max Rewards Credit Card | HSBC | Minimum salary AED 8,000 | — | Not Required |
| Platinum Select Credit Card | HSBC | Minimum salary AED 10,000 | — | Not Required |
| HSBC Advance Credit Card | HSBC | Minimum salary AED 15,000 | — | Not Required |
| HSBC Premier Credit Card | HSBC | Minimum salary AED 30,000 | — | Not Required |
| HSBC Gold Credit Card | HSBC | Minimum salary AED 5,000 | — | Not Required |
| HSBC Platinum Credit Card | HSBC | Minimum salary AED 10,000 | — | Not Required |
| Global Private Banking Card | HSBC | Minimum salary AED 50,000 | — | Not Required |
| HSBC Black Credit Card | HSBC | Minimum salary AED 15,000 | — | Not Required |
| HSBC Zero Credit Card | HSBC | Minimum salary AED 5,000 | — | Not Required |
| HSBC Cashback Credit Card | HSBC | Minimum salary AED 8,000 | — | Not Required |
| Reward Black credit card | Royal Bank of Scotland | Earning at least £15K per year | — | Not Required |
| HSBC Visa Platinum Credit Card | HSBC | — | 21 | — |
26 cards state a minimum income or minimum age. Income figures are in GBP unless the bank says otherwise.
Banks we track in United Kingdom
Keep going in United Kingdom
Guides for United Kingdom
United Kingdom — frequently asked questions
What is the minimum salary for a loan in United Kingdom?
Published minimum income requirements in our United Kingdom data include Minimum salary AED 8,000; Minimum salary AED 5,000; Minimum salary AED 15,000; Minimum salary AED 50,000. Banks also look at your existing monthly commitments, not just gross salary.
What is the minimum age to borrow in United Kingdom?
Minimum ages stated by the products we track in United Kingdom include 21.
Do I need to transfer my salary to get a card or loan in United Kingdom?
Not always — 40 of the 48 cards we track in United Kingdom state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.