Loans, credit cards and a whole lot more

Looking to borrow money without all the hassle? Well, you’ve come to the right place. Our finance search is blissfully Baffle-free. There’s no confusing forms or bamboozling jargon, just an easy way to find finance without those pesky Baffles.

Clarence captured the Baffles in their cage

Win £1,000 – Check your eligibility for a loan or credit card to be automatically entered into this month’s prize draw. T&Cs apply

Looking for a loan?

Discover a better way to find finance

Save time checking your eligibility with us

myfreedom is our free-to-use portal that can help you:

  • Check your eligibility quicker
  • Find out how lenders really see you
  • Strengthen your finances
  • Boost your credit knowledge

No catch, no cost, no impact on your credit score.

Borrowing made easy

Tired of stuffy jargon and long, complicated forms? Well, you won’t find any of that here. We make sure our finance search is quick, easy and absolutely free from Baffles.

Soft search

When you check your loan, credit card or car finance options with us, we only use a soft search to check your eligibility. This means that when you search for finance with us, it won’t harm your credit score or be recorded on your credit file.

Soft search illustration
Real Rates

When you check your eligibility for a loan, credit card or car finance with us, we show real rates as much as possible. This is so you know exactly how much a loan will cost you before you go ahead and apply.

A real rate is the actual rate you’ll get if you decide to apply for finance with your chosen lender. The other kind of rate you might see is a representative rate. This is the rate at least 51% of people can expect to get if they apply. When you see a representative rate, the actual rate you receive could go up or down. This is because the rates you are offered all depend on your credit history and personal circumstances.

Personalised-Rate illustration
Pre-approval

Our pre-approval percentages let you know how likely it is you’ll be approved for a loan or credit card before you apply.

This helps you quickly spot which options you’re most likely to be accepted for if you apply, reducing the chance of a decline being recorded on your credit file.

Pre-approved illustration
Quick comparison

Our quick and easy eligibility check takes just two minutes to fill out and gives you an online decision in moments.

You can also add a password to set up a free myfreedom account that will let you skip filling in your details next time you want to check your finance options with us.

Quick comparison illustration

Still have questions?

Are you a credit broker or a lender?

We’re a credit broker. This means that when you check your loan, credit card or car finance options with us, we use smart decisioning to check your details against our lenders’ eligibility criteria and find you options that you’re eligible for. If you have more than one offer, you can then go through your options to find the one that’s right for you.

How many lenders do you have?

Currently we have over 100+ UK lenders, credit card providers, mortgages and specialist car finance brokers that we can check your eligibility against.

Will checking my options affect my credit score?

No, using our eligibility check won’t affect your credit score in any way. We only carry out a soft search when we find you your finance options, meaning that the search won’t be recorded on your credit file. If you do decide to accept an offer, your chosen lender may then carry out a hard search to run their final checks.

How much can I borrow?

The amount you’re eligible to borrow will depend on your credit history and personal circumstances. Typically personal loans range from £1,000 to £35,000 over terms of 1 to 7 years and homeowner loans range from £10,000 up to £2,000,000 over terms of 1 to 30 years.

For credit cards, all cards come with a minimum and maximum credit limit. The credit limit you’re offered will depend on your personal circumstances. If you’re not offered the maximum credit limit straight away, your credit card provider could increase your credit limit in the future.

If you’re searching for car finance, you could borrow up to £200,000 with a hire purchase agreement over terms of 1 to 6 years.

What rates can I get?

The rate or APR you’re offered by lenders will be based on your credit history and personal circumstances.

Here at Freedom, we show you real rates as much as possible when you check your eligibility with us. This means we show you the actual rate you’ll get if you decide to apply. To find out what rates are available to you, simply check your eligibility with us and we’ll give you a quick online decision.

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