Check your eligibility and the loans you’re pre-approved for, so you can apply with confidence with your free ClearScore app.

Our sophisticated technology uses your credit score and report data to indicate your likelihood of getting a loan before you apply for it. We also show you how to improve your score as a higher score can give you access to more credit offers and improve your chance of approval.

Compare personal loans and check your chance of approval without impacting your credit score

Find personal loans, pre-approved car loans and low-rate home loans tailored to your credit score.

Sign up to get your free credit score and report today. Compare a range of loan offers for free, forever.

Comparing loans with ClearScore will not send your personal details to any lender.

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.


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, 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

Apply with confidence.

What do our lenders offer?

The lenders we work with offer loans between $500 and $75,000 with interest rates per annum up to a maximum of 48% (comparison rate p.a 57.05%). The terms range from 3 months to 7 years. So we can show you personalised offers, we’ll ask you some questions when you search for a loan on ClearScore, like how much you’d like to borrow and for how long.

How much would a loan cost?

Here are two representative examples:

Plenti - Personal Loan

partner logo

If you borrow $5,000 over 36 months at a fixed interest rate of 6.57%*:


Monthly repayments


Total amount repayable
*6.57% comparison rate

NOW Finance - Personal Loan

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If you borrow $10,000 over 48 months at a fixed interest rate of 6.75%*:


Monthly repayments


Total amount repayable
*6.75% comparison rate

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.