ClearScore puts the power back in your hands by using data to accurately match you with loan offers.
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ClearScore searches the market for great deals that are personalised to your financial position.
Personalized 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 Canada's top lenders to bring you credit cards, loans, mortgages, and more.
ClearScore is a credit broker, not a lender. Pre-approval doesn’t always guarantee acceptance and is subject to lenders’ checks of your credit status.
It takes more than a good credit score to access good credit. For that, you need to get credit healthy. For the first time ever, see yourself through a lender's eye and understand the bigger picture of your financial journey.
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Free credit score & report, updated weekly
Unlike some other providers, when we say free, we mean forever. And because keeping up to date is so important, we show you your new report every single week.
Help and support to improve your score
You'll see clear, personalized insights about your credit score and tips on how to improve it. By improving your credit score, you'll improve your chances of getting better credit offers.
Compare credit offers and see your approval odds
The higher your credit score, the more likely you are to see credit card and loan offers. We bring you exclusive offers with your approval odds, helping you feel clearer about credit.
Stop fraud in its tracks
Each week, we scan your credit report for early fraud detection, so if someone opens a card or loan in your name or your data appears on the dark web, you can act fast to protect your information.
Protect Plus, your online guardian
Upgrade your protection and access weekly credit report insights, enhanced monitoring, insurance, and a 24-hour helpline. You can try it first with a 1-month free trial.
Canadians love ClearScore
Over 24 million people globally already trust ClearScore to help them with their financial future.
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 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 Canada’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.
