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Loan
​​Compare personal loans without affecting your credit score. We show you offers tailored to your financial situation and credit history.

We’ll also show you how you can build your credit score. A higher score can give you access to more credit offers and improve your chances of approval.

Compare personal loans

Find and compare personal loans tailored to your credit score

Sign up for your free credit score and search for personal loans without harming your credit score

Compare personal loans without affecting your credit score

Tailored to you

At ClearScore, we show you personal loans that are tailored for your credit score. We show you relevant competitive offers to take the guesswork out of comparison. The more information you share with us, the more offers you’ll gain access to.

Market-leading credit providers

We work with market-leading credit providers to bring you great deals on personal loans. We frequently show you updated offers from top lenders, including Plenti, Wisr, and SocietyOne.

Finding the right personal loan is simple on ClearScore

1. Sign up to ClearScore

Join ClearScore for free and log in to your account.

2. See your personal loan offers

Check your offers to compare your personalised deals.

3. Find the right loan for you

Pick the right offer for you and apply with confidence.

Frequently asked questions

Can I apply for a loan with a bad credit score?

Yes, you can apply for a personal loan if you have a low credit score, but lenders may offer you a higher interest rate or could decline your application. You could build your credit repayment history and improve your score before applying for a loan.

Does checking personal loan offers harm my credit score?

Checking your personal loan offers on ClearScore will never affect your credit score. You can compare your loan deals in your Offers panel as often as you like, without affecting your score.

How does ClearScore work?

When you sign up to ClearScore you can see your credit score and credit report for free, forever. We work with Australia’s top loan and credit card providers to offer our users market-leading deals on a range of financial products. We never rank products based on how much commission we earn - our recommendations are based on your your credit profile and circumstances. ClearScore is supported by commercial arrangements with lenders and third parties that pay us a commission if you choose a product on ClearScore. Find out more here.

Which partners do ClearScore work with?

We bring you market-leading personal loans from a variety of lenders, including Plenti, Wisr, and SocietyOne.

What is a soft and hard credit enquiry?

A soft enquiry will occur when a lender assesses your eligibility for a product. Only you can see the soft enquires on your credit report, and they have no impact on your credit score. A hard enquiry is conducted by the lender after you apply for a credit product, which will leave a record on your report. It’s common for a hard enquiry to affect your credit score, but as long as you borrow responsibly the impact should be short term.