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At ClearScore, you can search for loans without harming your credit score. We show you the loans you are pre-approved for, so you can apply with confidence.

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

Compare loans

Find personal loans, debt consolidation loans and guarantor loans tailored to your score

We’re a credit broker, not a lender.

ClearSaver

Don’t wait for better rates

Activate ClearSaver and you could get instant access to exclusive credit card and loan offers that save you money

It’s quick, easy and secure

It won’t affect your credit score

You could be pre-approved* for exclusive offers

*Pre-approval doesn’t always guarantee acceptance, and is subject to lender’s checks of your credit score

You could get instantly-reduced rates from trusted lenders such as:

TRIPLE LOCK

New

Pre-approved offers

Guaranteed rates

Guaranteed credit limits

Get the key to credit confidence - our Triple Lock guarantee means what you see is what you get.

It secures the credit limit and interest rate of your loan before you apply... and you’ll even be pre-approved.

Personalised offers

We show you loans tailored to your credit score and tell you what your eligibility looks like for each one, so you know where you stand before you apply.

Market-leading credit providers

We work with market-leading credit providers to bring you great deals on loans. We frequently show you updated offers from top lenders, including Admiral, 118118 Money and Lendable.

Finding the right loan is simple on ClearScore

1. Sign up to ClearScore

Join ClearScore for free and log in to your account.

2. See your loan offers

Check your offers to compare your personalised deals.

3. Find the right loan for you

See your eligibility for loans and apply with confidence.

Personal loan

A personal loan, also known as an unsecured loan, doesn’t require you to put up something you own as collateral. You’ll be more likely to be accepted for a personal loan if you have a good credit score and a credit history that shows lenders you can manage credit sensibly.

Secured loans

With a secured loan or a homeowner loan, you need to put up an asset you own as a guarantee you’ll pay back what you’ve borrowed. It's important that you make the loan repayments on time—not doing so means that you could lose your home.

Guarantor loans

If you have a low credit score, a guarantor loan may be suitable for you. With this type of loan, you need a guarantor, who promises to make your repayments for you if you can’t keep up with them. People usually ask a family member, but your guarantor doesn’t have to be a relative.

Debt consolidation loans

This type of loan is an option if you have several debts with personal loans, credit cards or store cards. A debt consolidation loan allows you to move the balances on your debts into one loan. By having one monthly repayment instead of several, you might find makes it easier to manage paying off your debt.

How can I get a loan if I have a bad credit score?

If you have a low credit score, there could still be a personal loan for you.

You may need to pay more interest - the average APR is 56% - or you may have to offer security, such as a house, car or savings account.

But if you make your payments on time and in full, this can help you grow your credit score and unlock better offers.

Here's a representative example from a lender on our panel:

Representative example:

If you borrow £3,000 over 30 months at a nominal fixed annual rate of 47.73%, representative 59.7% APR

Monthly repayments:

Total amount repayable:

£173.02

£5,190.50

What range of loans do ClearScore compare?

The lenders we compare offer loans between £1000 and £100,000, at APRs up to a maximum 99.9%. Loan terms range from one to twenty years

How much will a loan cost me?

Here's a representative example from a lender on our panel:

Representative example:

If you borrow £10,000 over 60 months at a nominal fixed annual rate of 2.8%, representative 2.8% APR

Monthly repayments:

Total amount repayable:

£178.64

£10,718.40

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

If you have a low credit score, lenders may offer you a higher interest rate or could reject your application for a regular loan. With ClearScore, you can see your eligibility for loans based on your score. Checking your offers doesn’t hurt your score, so you can apply with confidence.

How does ClearScore work?

When you sign up to ClearScore you can see your credit score and credit report for free. We work with the UK’s top lenders to offer our users market-leading deals on credit products. We may receive a commission if you take out a product with a lender. Find out more here.

Does checking loan offers harm my credit score?

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

Does ClearScore have exclusive offers on loans?

Yes, we have established partnerships with some of the UK’s top lenders and some of the deals we offer are exclusive to ClearScore customers. These are shown as 'Exclusive' in your Offers panel.

What is a soft and hard credit search?

A soft search will occur when a lender assesses your eligibility for a product. Only you can see the soft searches on your credit report, and they have no impact on your credit score. A hard search 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 search to affect your credit score, but as long as you borrow responsibly the impact should be short term.

Which partners does ClearScore work with?

We bring you market-leading loans from a variety of lenders, including Lendable, Admiral, 118 Money, Zopa and Nationwide.

See all FAQs

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