At ClearScore, you can search for personal loans without affecting your credit score. We show you offers that are tailored to your financial situation and credit history so you can compare 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 being approved.

Find and compare personal loans tailored to your credit score

APPLY WITH CONFIDENCE

Income checked

Credit score checked

Credit history checked

You can now apply with confidence, knowing that ClearScore has searched the market for great deals that are personalised to your financial position. You can view these options without damaging your credit score. We will also support you with tips on how to improve your score to get even better deals.

Personalised offers

We do the hard work so that you don't have to. We show you the offers that we think you will qualify for, including a personalised 'chance of acceptance' which is based on your income and credit history.

Market-leading credit providers

We work with more than 15 of SA's best lenders to find you the best offers, including Nedbank, Direct Axis, Standard Bank and Capitec.

Finding the right loan is simple on ClearScore

1. Sign up to ClearScore

Join ClearScore for free and see your free credit score and report.

2. See your personal 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 such as 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.

Can I apply for a loan with a low 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 get a sense of loans that you might be approved for based on your credit score. Remember, checking your loan offers doesn’t hurt your credit score.

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 SA’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 page as often as you like, without affecting your score.

Does applying for multiple loans or credit cards impact my credit score?

It’s better to rather apply for one loan or credit card at a time and use platforms such as ClearScore to determine which credit provider offers you the best rate and will most likely approve your application.

Does ClearScore have exclusive offers on loans?

Yes, we have established partnerships with some of the SA’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, such as, Capitec, Standard Bank, Wonga and Nedbank.

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