Freedom Finance

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.

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

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

• Credit broker services
• Personal loan marketplace
• Debt consolidation loans
• Guarantor loan products
• Loan comparison platform

Headquarters

HQ city

Manchester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Others

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• AdmiralcoreChannel Partner/ Reseller/ DistributorOne 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.
• NatwestcoreChannel Partner/ Reseller/ DistributorNational Westminster Bank, one of the UK's major banks, operating as a lender partner through the ClearScore marketplace.
• 118 118 MoneycoreChannel Partner/ Reseller/ DistributorSpecialist lender partner available through ClearScore's marketplace offering personal loans.
• HalifaxcoreChannel Partner/ Reseller/ DistributorOne of the UK's largest building societies/banks offering loan products through ClearScore's marketplace.
• Post OfficeminorChannel Partner/ Reseller/ DistributorPost Office financial services division offering loan products through the ClearScore marketplace.
• Tesco BankminorChannel Partner/ Reseller/ DistributorBanking subsidiary of Tesco offering loan products through ClearScore's marketplace.
• ZopaminorChannel Partner/ Reseller/ DistributorP2P lending platform now operating as a bank, offering loan products through ClearScore marketplace.
• StepChangeminorGTM or Marketing PartnerDebt 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

Direct 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

• Xx.com/_FreedomFinance
• YouTubeyoutube.com/clearscore
• Facebookfacebook.com/clearscore
• LinkedInlinkedin.com/company/clearscore

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Freedom Finance