Freedom Finance
ClearScore is an FCA-authorized UK credit broker operating a consumer loans marketplace connecting borrowers with 45+ lenders across personal, debt consolidation, guarantor, and secured loan categories, earning commission on originated loans.
- Company typePrivate
- Founded2007
- HeadquartersManchester, United Kingdom
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Freedom Finance does
ClearScore Technology Ltd. is a London-headquartered FCA-authorized (FRN 654446) credit broker that operates a consumer-facing loans marketplace connecting UK adults aged 18+ with a panel of over 45 lenders, including major institutions such as Admiral, Natwest, Halifax, Post Office, Tesco Bank, Zopa, and 118 118 Money. The platform offers loan amounts between £1,000 and £100,000 with terms from 1 to 20 years across multiple product categories: personal loans, debt consolidation loans, guarantor loans, low-interest loans, secured loans, and specialized loans for benefits recipients. Core technical capabilities include soft-search eligibility checking that does not impact credit scores, personalized approval-chance predictions, the Triple Lock pre-approval indicator, and an interactive loan calculator.
Underlying technology consists of a credit-marketplace platform with soft/hard credit-search integration to lender underwriting systems, paired with a data layer that powers personalized offer matching and approval-likelihood scoring. The platform is delivered via a responsive website at clearscore.com and native iOS/Android applications, supported by an educational "Learn" content portal and a partnership with debt-advice charity StepChange. ClearScore holds SOC 2 Type 2 and ISO 27001 certifications and operates under ClearScore Group across five jurisdictions: the UK, Australia, New Zealand, South Africa, and Canada.
The business model is commission-based affiliate/referral revenue earned when users originate loan products through partnered lenders; the credit score and report service is offered free to consumers (freemium). ClearScore is a private limited company registered in England and Wales (company number 09221862), with no disclosed parent company, no disclosed funding rounds, and no disclosed management team in the source data.
Freedom Finance firmographics
Firmographics- Name
- Freedom Finance
- Legal name
- ClearScore Technology Ltd.
- Website
- https://freedomfinance.co.uk
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- ClearScore is an FCA-authorized UK credit broker operating a consumer loans marketplace connecting borrowers with 45+ lenders across personal, debt consolidation, guarantor, and secured loan categories, earning commission on originated loans.
- Ownership category
- akta.pro rank
Freedom Finance industry classification
Industry- Product category
- Personal Loan Marketplace / Credit Brokerage
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- P2P Debt Consolidation & Refinancing (FSAKAHAB)
Keywords
Where Freedom Finance is headquartered
LocationHeadquarters
- HQ city
- Manchester
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Freedom Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Others
Revenue model
- Commission from lenders: ClearScore operates as a credit broker receiving commission payments from lenders when users take out loan products through the platform. The company explicitly states it will receive a commission if users take out a product with a lender.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free membership with credit score access |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Freedom Finance product offering
Product offeringCore offering
Freedom Finance operates a UK credit broker marketplace that connects consumers with over 45 lenders to compare and apply for personal loans, debt consolidation loans, guarantor loans, low interest loans, secured loans, and specialized loans for benefits recipients. Loan amounts range from £1,000 to £100,000 with terms from 1 to 20 years, and users can check eligibility through soft-search technology that does not impact their credit score. The platform earns revenue through commissions from partner lenders when users successfully originate a loan product.
Product overview
ClearScore operates a loans marketplace as a credit broker (not a lender), connecting UK consumers with a network of over 45 lenders including Admiral, Natwest, 118 118 Money, Halifax, and others. The platform offers loan amounts between £1,000 and £100,000 with terms from 1 to 20 years. The core offering includes a Loans Marketplace for comparing multiple loan types (Personal Loans, Debt Consolidation Loans, Guarantor Loans, Low Interest Loans, Secured Loans, and Loans for People on Benefits), supplemented by a Personal Loan Calculator for repayment estimation. Key differentiators include the Triple Lock Guarantee showing pre-approval status and soft search functionality that allows eligibility checking without affecting credit scores.
Differentiator
Problem solved
Functional benefit
Products and services
- Loans Marketplace
Quantifiable outcome
- Loan amounts between £1,000 and £100,000 available through marketplace
- +1 more outcomes
Companies that use Freedom Finance
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Freedom Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Freedom Finance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- AdmiralcoreOne of over 45 lenders available through the ClearScore loans marketplace. Admiral is a major UK insurer and financial services provider offering loan products through the platform.
- NatwestcoreNational Westminster Bank, one of the UK's major banks, operating as a lender partner through the ClearScore marketplace.
- 118 118 MoneycoreSpecialist lender partner available through ClearScore's marketplace offering personal loans.
- HalifaxcoreOne of the UK's largest building societies/banks offering loan products through ClearScore's marketplace.
- Post OfficeminorPost Office financial services division offering loan products through the ClearScore marketplace.
- Tesco BankminorBanking subsidiary of Tesco offering loan products through ClearScore's marketplace.
- ZopaminorP2P lending platform now operating as a bank, offering loan products through ClearScore marketplace.
- StepChangeminorDebt advice charity partnership providing free debt advice and support resources to ClearScore users who may be struggling with loan repayments.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
Freedom Finance competitors and assessment
Company assessmentDirect peers
- MoneySavingExpert: UK consumer finance guidance and product comparison site with credit card and loan comparison tools. Competes for the same consumer acquisition funnel through editorial/content and comparison functionality.
- TotallyMoney: UK credit broker offering free credit score checks and personalized loan and credit card offers. Directly competes with ClearScore for the same lender commission revenue and UK consumer segment.
- Credit Karma: Free credit score and personalized financial product recommendations platform owned by Intuit. Closest functional analog to ClearScore's freemium credit score + loan marketplace funnel in the UK.
- MoneySupermarket: UK price comparison platform across financial products including loans, credit cards, and insurance. Direct competitor to ClearScore in the loans marketplace space with similar commission-based revenue model and broad lender panel.
- Compare the Market: UK financial comparison site operating across loans, credit cards, and insurance products with a multi-product marketplace model. Direct competitor for lender commission revenue and consumer acquisition in the UK.
- LendingTree: US-based online loan marketplace connecting consumers with multiple lenders via soft-pull pre-qualification. Closest US analog to ClearScore's loan marketplace model with similar commission-based lender revenue.
Emerging players
- Zopa: UK digital bank that originated as a P2P lending platform. Functions as both a lender within ClearScore's marketplace and a direct consumer-facing loan provider, making it a peer across both sides of the marketplace.
Regional players
- NerdWallet: US-focused personal finance content and product comparison platform. Operates the same freemium content-to-marketplace funnel as ClearScore, providing a relevant regional benchmark for the model outside the UK.
Broad incumbents
- Experian: Global credit bureau offering consumer credit reports, scores, and affiliated product comparison services. Comparable to ClearScore on credit data infrastructure and adjacent marketplace services, though broader in scope.
Others
- Moneyfacts: UK financial data and product comparison service focused on personal finance and deposit products. Adjacent comparator providing rate tables and market intelligence in the same UK personal finance space.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Freedom Finance social profiles
Digital presenceFreedom Finance compliance and trust
Trust signalCompliance2 records
Freedom Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Freedom Finance leadership team
Management profileNumber of profiles
Freedom Finance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Freedom Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Freedom Finance
What does Freedom Finance do?
Freedom Finance operates a UK credit broker marketplace that connects consumers with over 45 lenders to compare and apply for personal loans, debt consolidation loans, guarantor loans, low interest loans, secured loans, and specialized loans for benefits recipients. Loan amounts range from £1,000 to £100,000 with terms from 1 to 20 years, and users can check eligibility through soft-search technology that does not impact their credit score. The platform earns revenue through commissions from partner lenders when users successfully originate a loan product.
Is Freedom Finance a public or private company?
Freedom Finance is a private company. It is classified as unknown and is currently operating.
When was Freedom Finance founded?
Freedom Finance was founded in 2007. It employs 51 to 100 people.
Where is Freedom Finance based?
Freedom Finance is headquartered in Manchester, United Kingdom, in the Europe region.
How does Freedom Finance make money?
One revenue line is on record: commission from lenders.
Who are Freedom Finance's main competitors?
Direct peers on record are MoneySavingExpert, TotallyMoney, Credit Karma, MoneySupermarket, Compare the Market and LendingTree. Zopa is listed as an emerging player. NerdWallet is listed as a regional player. Experian is listed as a broad incumbent. Moneyfacts is listed as an others.
Does Freedom Finance have an API?
No public API is recorded for Freedom Finance.
What industry is Freedom Finance in?
Freedom Finance's product category is Personal Loan Marketplace / Credit Brokerage. Its primary akta.pro industry code is FSAKAHAB, P2P Debt Consolidation & Refinancing. Its NAICS code is 5223 and its SIC code is 6163.