Check your chances of approval before applying for a personal loan
Tailored to you and your credit score
We show you loans tailored to your credit score and help you understand your chances of approval on your loan applications.
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Compare personal loans with ClearScore Confidence.
ClearScore Confidence works through a combination of sophisticated algorithms and credit report data to indicate the likelihood of approval on your loan application. Get your free credit score and report today. We’ll also show you how you can improve your credit score. A higher score can give you access to more credit offers and improve your chances of approval.
Compare personal loans with ClearScore Confidence
Find personal loans, car loans and home loans without impacting your credit score.
Sign up for your free credit score and report to apply for loans with ClearScore Confidence.
Market-leading lenders trust our technology
Market-leading credit providers work with us to bring you great deals on personal loans and offers that are tailored to your credit score. We frequently show you updated offers from top lenders in the market, including NOW finance, Our Money Matters, Plenty, 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
Apply with confidence.
Sign up today
Download the latest version of the app from the App Store (iOS) or Google Play (Android).
Frequently asked questions
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.
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.
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.
We bring you market-leading personal loans from a variety of lenders, including Plenti, Wisr, and SocietyOne.
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.
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.