Compare personal loans from a range of lenders, explore key features, and find an option that suits your needs.
Get a clear view of your finances
Our straightforward report helps you understand exactly where you are, and checking it will never harm your score.
Achieve your goals
Get updates about what's changed on your report and what's affecting your credit score so you know how to improve it.
Feel confident about applying
Compare a range of loan offers, review key details like rates and terms, and explore options, all without impacting your credit score.
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 and car finance offers from some of NZ's most trusted lenders. Compare key features such as interest rates, loan amounts and repayment terms, and explore your options 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 freeWhen you sign up to ClearScore, you can see your credit score and report for free. We show you a range of credit offers across credit cards and loans from our lender partners, so you can compare options in one place. We receive a commission if you take out a product with one of our lender partners.
Yes, you can apply for a personal loan with 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.
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.
