Compare loans to find the one for you

Your one-stop destination for finding the money you need

ClearScore is a credit broker, not a lender, 18+, T&Cs apply

Some of the loans you can compare within the ClearScore app

Find loans from leading UK lenders

Get a loan that’s tailored to your credit score

Compare as many offers as you like without harming your credit score

We work with some of the UK’s most popular lenders

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What’s a loan?

It’s a sum of money you borrow from a bank, building society, or other lender.

You’ll pay it back over an agreed period of time, with interest.

When you search for a loan on ClearScore, we’ll show you what the monthly repayments could look like to help you plan ahead.

And, if other ClearScore users have taken out a loan from that lender, we’ll show you how people found the application process and customer service.

A smart phone showing a loan offer on ClearScore

How to apply for a loan

Sign up in a few easy steps

It only takes a few minutes and you’ll get your credit score and report for free, forever.

Get your offers

The offers you’ll see are based on your score and report. And we order them based on how likely you are to be accepted – not what makes us the most money.

Apply on ClearScore

We'll show you what your approval chances are so you can apply with confidence.

Try our personal loan calculator

Use this calculator to see what your monthly loan repayments could look like.




The numbers you'll see are a guide only.

The monthly payments will be


The total amount repayable is


The interest for the loan will cost me


APR means annual percentage rate. It's made up of the interest rate and other charges you might have to pay (like an annual fee). We've added a representative example already, but you can change it. Bear in mind that these numbers are intended as a guide only.

What’s APR?

APR means annual percentage rate. It’s the total cost of the loan over a year. It’s made up of the interest rate and other charges you might have to pay (like an annual fee).

Usually, you’ll pay back your loan with interest – which is how lenders make a profit.

What’s representative APR?

It’s the interest rate that the lender will typically give to at least 51% of people. That means up to 49% could get a higher rate.

Your actual APR may be higher than what you see.

But, we work with lenders to guarantee as many interest rates as we can. It’s a good idea to check for offers with a guaranteed APR so you can feel confident that what you see is what you get.

Find more about APRs.

What our lenders offer

Loan amounts between £1,000 and £100,000.

Loan terms from 1 to 20 years.

What could you do with a loan?

Home improvements or repairs

From emergencies to quick fixes, you could get access to the money you need with a loan.

Debt consolidation

You could use a lump sum to pay off your credit card or other debts and make one monthly repayment at a lower interest rate.

Civil partnerships and weddings

Celebrate your big day knowing you can pay it off in monthly instalments.

Build your score

As long as you make the repayments on time and in full, you can build your credit score. And that can mean better offers for things like car finance, loans, credit cards, and more.

Book your next holiday

Dreaming of a once-in-a-lifetime trip? You could spread the cost of your next adventure.

The different types of loans

Personal loan

Spread the cost of what you owe, without using any of your assets as collateral, with a personal loan.

Guarantor loan

Get a guarantor loan with the help of a friend or relative and access the money you need.

Low interest loan

Looking to save on interest? We work with lenders to guarantee as many low interest loan rates as we can.

Secured loan

Usually for homeowners, a secured loan means using something you own as collateral.

Will you be approved for a loan?

Check your credit score

If there are easy steps you can take to improve your score before you apply, take them. That’s because a better score could mean better offers – like lower interest rates or higher loan amounts.

Make sure your credit report is up to date

Checking things like your income, employment details, and address are still correct is key. Lenders use that information (as well as your credit history) to determine the loan amounts and interest rates they can offer you.

What to consider before applying

Borrow what you can afford

Don't borrow more than you need, as this can increase the total cost of your loan and make it harder to repay.

Plan your repayments

Feel confident about your loan repayments by planning your budget in advance.

Check the interest rates and charges

Read the small print. Make sure you understand what you’re paying for by checking the interest rates and any additional charges .

Compare your offers first

Get a better idea of what you could be eligible for by comparing your offers first.

If you meet the minimum requirements (like being at least 18 and a UK resident), can comfortably afford monthly repayments and don’t have any problems on your credit report, you’re more likely to be approved for a loan.

Can you get a loan with a bad credit score?

You might have to pay more interest, but we work with lenders who specialise in loans for people with a bad credit score.

Find out more about getting a loan with a bad credit score.

Representative 48.8% APR.

A credit score on the ClearScore app

Do more with ClearScore

Get a preview of incoming changes

Whether you’re adding a new account, removing an old one, or just changing how much credit you use – you’ll find it here.

Take a closer look at your accounts

We’ll show you whenever they've been opened or updated over the past 7 years. You can even see how much of your available credit you’ve used and what the loan balance is. Everything you need, all in one place.

Save time when looking for your next offer

Your offers are personalised to you. And we’ll show your approval chance so you can feel confident about applying.

Frequently asked questions