...& get the credit you deserve

At ‘Apply with Confidence’, we specialise in finding the credit card providers who are most likely to approve your application – without harming your credit rating.

It takes no more than 30 seconds Your credit status remains untouched A no obligation, free service

Just some of the cards
you could be approved for...

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By completing and submitting this form, you consent for your personal data to be used to make a suitable product suggestion for you and confirm you are entitled to disclose information about any joint applicant or partner/spouse named on this application form. Your details will be used only for sharing with relevant credit reference agencies and for analytical purposes. It will not be used for any other reason without your express permission. This service will not affect your ability to obtain credit in the future or be seen by any other lenders without your permission. Your personal data will be kept confidential and will not be stored for longer than necessary. We take data security seriously and as such, any personal information you give us is protected over the Internet using secure web server technology, and subject to our privacy policy.

The eligibility check considers a selection of financial products. The product(s) that will be shown when submitting the form are those that have been selected as those that you are most likely to be eligible for, based on a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit and you may be declined once a full assessment of your application has been completed.

By clicking on any link provided, you may be redirected to a third party's website, where these Terms and Conditions cease to have any application. Any applications for credit or pre qualification inquiries you make with any third parties will be covered by their relevant Terms and Conditions, which you are encouraged to familiarise yourself with.

ApplyWithConfidence provide an independent online service which enables you to research and compare financial products or services provided by third parties. The service is free for you to use. We do not add any fees or commissions to the products or services you compare. Instead, we introduce you to other parties who provide products or services. We are paid by charging those third party product or service providers a fee and/or commission for introductions made.


You may not copy, reproduce, republish, download, post, broadcast, transmit, make available to the public, or otherwise use content from this website in any way except for your own personal, non-commercial use. You also agree not to adapt, alter or create a derivative work from this website except for your own personal, non-commercial use. Any other use of content from this website requires the prior written permission of Apply With Confidence.

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict or inhibit anyone else's use and enjoyment of this website.

Disclaimers and Limitation of Liability

Content on this website, including the information, names, images, pictures, logos and icons regarding or relating to Apply With Confidence, its products and services (or to third party products and services), is provided "AS IS" and on an "IS AVAILABLE" basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

Under no circumstances will Apply With Confidence be liable for any of the following losses or damage (whether such losses where foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of this website regardless of the form of action.

Apply With Confidence does not warrant that this website will be uninterrupted or error free, that defects will be corrected, or that the server that makes it available are free of viruses or bugs.

Intellectual Property

The names, images and logos identifying Apply With Confidence or third parties and their products and services are subject to copyright, design rights and trademarks of the Apply With Confidence and/or third parties. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any licence or right to use any trademark, patent, design right or copyright of Apply With Confidence, or any other third party.


If there is any conflict between these terms and specific terms appearing elsewhere on this website (including local house rules) then the latter shall prevail.

If any of these terms are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.

These terms shall be governed by and interpreted in accordance with the laws of England and Wales.

Apply With Confidence

Apply With Confidence is a trading name of HD Decisions Ltd. Registered in England & Wales No. 06692615. Consumer Credit Act Licence No. 621784. Registered address: Suite 2b, The Hub, 40 Friar Lane, Nottingham, NG1 6DQ.

Privacy Policy

Apply With Confidence is committed to protecting the privacy of those using this web site. By using this web site, you indicate that you agree to the following privacy policy. We will only use your information for the purposes registered under the Data Protection Act 1998.

HD Decisions Ltd (company number 06692615) is the data controller in relation to your personal data.

You have the right of access to your personal records upon request to us. We may charge you a fee for a copy of such information.

If you have any queries relating to our use of your personal data or any other data protection issues, please contact our Data Protection Officer at contact@hddecisions.co.uk.

What personal information does Apply With Confidence collect?

The information we learn from visitors helps us personalize and continually improve your experience on this web site. Here are the general types of information we gather:

Information You Give Us

We receive and store any information you provide to us when you communicate with us by e-mail, contact form, or otherwise. Such information may include your name, address, email address, and other personal data.

Information Gathered Automatically

We receive and store certain types of information whenever you interact with us. For example, like many web sites, we use "cookies," and we obtain certain types of information when your Web browser accesses this site. Examples of the information we may collect and analyze include the Internet Protocol (IP) address used to connect your computer to the Internet; computer and connection information such as browser type and version, operating system, and platform; the full Uniform Resource Locators (URL) clickstream to, through, and from our web site and related services, including date and time; cookie number; and areas of the site you visited.

Other Information

In order to improve and personalize our service, we may in the future also receive information about you from other sources.

What about 'cookies'?

Cookies are small files that we transfer to your computer's hard drive or your web browser memory to enable our systems to recognize your browser and to provide convenience and other features to you.

The "help" portion of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, if you turn off your ability to receive and use cookies, you may not be able to take full advantage of our services. Therefore, we recommend that you leave them turned on.

How secure is information about you?

We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. We also use a secure server hosting location, Firewall protection, controlled access and encryption technology to protect your data. While no system is completely foolproof, we take the security of your personal information very seriously, and our security measures are designed to protect that information in a responsible manner.

Bureau Terms and Conditions

Apply With Confidence works closely with the Equifax bureau. By submitting this form you are agreeing to their terms and conditions as stated below.

"We are Equifax Limited., ("Equifax" / "we" / "us" / "our") a company registered in England and Wales under registered number 2425920 and our registered office is at Capital House, 25 Chapel Street, London NW1 5DS. You may contact us by:

  • post by writing to the Equifax Credit File Advice Centre, P.O. Box 1140, Bradford, BD1 5US;
  • by telephone on number 0844 335 0550; or
  • by any of the other methods described in the “Contact Us” section of our website www.equifax.co.uk.

Equifax is a UK credit reference agency. A credit reference agency is a company that collects personal information from various sources and provides that personal information for a variety of uses (including to prospective lenders of credit for the purposes of those lenders making credit decisions about their prospective customers). Providers of the personal information that we hold about you include; lenders such as banks or building societies who may provide us with credit information that they hold about you. Other sources of information that may be provided to us about you are; information from the Electoral Register and County Court judgments and bankruptcies. When data providers share this personal information with us, we use the information to create a credit report about you.

By ticking the Consent Terms & Conditions box you are instructing us to supply your personal information to HD Decisions Ltd ("HD Decisions") via the ApplyWithConfidence website at www.applywithconfidence.com. HD Decisions has been appointed as a processing agent on behalf of ApplyWithConfidence and a number of lenders. HD Decisions will on behalf of ApplyWithConfidence and the lenders, analyse your credit information to determine your financial status and use your information for the purposes of identifying and ranking the most appropriate credit products for you, taking into account your personal circumstances. You will then be given the opportunity to apply to a lender directly for one of those ranked credit products.

When you view the ranked list of credit products, by selecting 'Apply', you are not committing to apply for credit. However if you do subsequently apply for credit from the ranked list of credit products, your credit information will be used by the relevant lender to assess your credit application and a credit search footprint will be recorded on your credit file. A credit search footprint may adversely affect your credit rating.

Equifax will not provide your credit information directly to you as part of this process, nor will Equifax or HD Decisions pass any of this information to any lender.

You may only request your own credit information. You may not request credit information on behalf of anyone else, even with their consent. You are advised that it may be a criminal offence under Section 55 of the Data Protection Act 1998 to do so in certain circumstances.

Equifax will record details of your request to supply your credit information to HD Decisions in the form of a Consumer Enquiry search footprint, but this footprint will not be seen by any lender and will not have any adverse impact on your credit rating.

You agree that your personal details and/or your credit information ("your information") may be used by us to verify your identity. If we reasonably suspect that false or inaccurate information has been provided to us, we may pass your personal information to fraud prevention agencies and other law enforcement agencies who may access and use your information. We and other organisations may access and use your information for the purposes of the prevention of fraud and for anti-money laundering purposes. Examples of when your information may be accessed or used for these purposes are:

  • Checking details on applications for credit or credit related facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Please contact us if you wish to receive details of the relevant fraud prevention agencies.

Equifax will use your personal information in accordance with these Consent Terms and Conditions and its Terms and Conditions of Use. You should also read our Privacy Policy http://www.equifax.co.uk/About-us/Privacy_policy.html which explains what we may do with your personal information"