FREE · NO SALES PRESSURE · YOUR DATA STAYS ON YOUR DEVICE
The Sane Finance GBT
Honest numbers. No sales pressure.
Finance without the sales pressure.
- Know what you can afford.
- Know what you're being offered.
- Know why you were declined.
- Know what to do next.
On iPhone or iPad: tap the Share button, then Add to Home Screen.
What this is — and what it isn't
A free education, calculator, comparison and preparation tool. You stay in charge and deal with the provider directly.
A lender, a credit broker or a regulated financial adviser. Pleading Sanity earns no commission here and sends nobody your details.
Planning estimate our maths on your figures · Provider eligibility the provider's own check · Lender decision only the lender makes it.
Tell it once
Saved only on this device. Nothing is sent anywhere unless you choose to ask the AI and tick the box to include it. Leave anything blank you'd rather not say.
What can I safely afford? Planning estimate
What might matter to a provider
What to compare and ask
Providers whose published criteria may fit
We only ever show a provider when its data comes from a verified source and has been checked recently. No invented lenders, rates or reviews. Commission never changes the order.
Check any firm yourself
Every UK lender and credit broker must be on the FCA Register. Got an FCA reference number from a quote? Check it.
How to read reviews (and why they're kept separate)
What people say about service. Check the source, how many reviews, how recent, and whether the provider controls the review page.
Whether the firm is authorised, and as a lender or broker. Only the FCA Register confirms this.
Whether the product fits your budget and circumstances. Great reviews don't make a product right for you.
APR, fees and total repayable. A poorly reviewed firm can still have a fair product, and a loved one an expensive product.
Put every quote you've been given here
Copy the figures from each quote. We work out the true total. Total cost matters more than a shiny monthly payment.
I was declined or referred
We can't see a lender's private decision — nobody outside the lender can. What we can do is separate what you know from what you don't, and tell you exactly what to ask.
Prepare your paperwork
Built only from what you typed. It will never make payslips, bank statements, proof of address, ID, references, credit reports, signatures or approvals — those must be real.
Ready to deal with the provider directly
Pick a quote in the comparison and press Hand off. We send nothing. You decide what to give them.
Keep track, privately
Stored only on this device. Only mark Approved when the provider has actually told you so.
Ask before you apply
The AI family (GPT, Claude, Gemini, Grok — one drafts, another checks) explains in plain English. It can't see your credit file, doesn't know any lender's criteria, can't approve you, and never supplies rates or provider data.
You stay in control
APR, total repayable, fees, deposit, final payment and early-settlement terms.
Eligibility checks show your likelihood without a mark other lenders can see. A full application usually leaves a hard search.
Only the lender decides. Nobody can guarantee approval — walk away from anyone who does.
False income, edited documents or hidden debts are fraud, and can leave you far worse off.
Your data
Your profile, quotes, tracker and documents live in this browser's storage only. Pleading Sanity has no copy. Clearing it here removes it from this device.
Free, independent guidance: MoneyHelper · FCA Register · Privacy