ClearScore puts the power back in your hands, showing you personalised debt consolidation loan offers.
Apply with confidence
ClearScore searches our panel of lenders for great deals that are personalised to your financial position.
Personalised offers
We show you the offers you're most likely to qualify for, doing the hard work so you don't have to.
Market-leading credit providers
We work with Australia's top lenders to bring you credit cards, loans, mortgages, and more.
It takes more than a good credit score to access good credit. For that, you need to get credit healthy. See yourself through a lender's eye and understand the bigger picture of your financial journey.
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Simplify life's big decisions
Your credit history can unlock a lot of doors. From accessing credit to getting a home, know where you stand with your score and report. Sign up to ClearScore and get a complete overview of your finances.
Boost your approval chance
Get personalised insights to improve your credit score. A better score can mean better offers – like a lower interest rate on a loan or a higher limit on a credit card.
Apply with confidence
Discover personal loans, credit cards, car loans and home loan offers from some of Australia's most trusted lenders. See your approval chances and compare as many offers as you like, without harming your credit score.
Know your identity is safe
Signing up to ClearScore gives you automatic access to Protect. We'll look for any stolen passwords connected to your email address and keep you informed, so you can feel safe knowing your identity is protected.
Improve your credit score with monthly insights
Every time you check your report, you can review up to 8 personalised insights, all designed to help you improve your score (or keep it on track), so you could start seeing better offers.
View your credit limits
We break down your accounts into simple categories: credit cards, loans and more. Just select one to see details of what credit you have available, including your current limit.
Join the people who already trust ClearScore to help them improve their financial future.
Sign up for freeYes, 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.
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.
We bring you market-leading personal loans from a variety of lenders, including Plenti, Wisr, and SocietyOne.
