Loans, credit cards and a whole lot more

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

Our man Clarence helps you cage up the baffles in your finance search - let Clarence and Freedom Finance de-baffle your financial needs.

Personal Loans

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.

How our processes work

When you check your loan, credit card or car finance options with us, we only use a soft search to check your eligibility. As a result, when you search for finance with us, it won’t harm your credit score. Consequently, it will also stay off of your credit file.

How our real rates work

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

A real rate, in essence, is the actual rate you’ll get if you decide to apply for finance with your chosen lender. By contrast, 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.

How pre-approval works

Our pre-approval percentages ultimately 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. Thus, we can reduce the chance of a decline going onto your credit file.

How our eligibility check services work

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

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

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 one of many 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?

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

Will an eligibility check 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. Contrastingly, 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 a lender can offer you will depend on your personal circumstances. Suppose that a lender does not offer the maximum credit limit straight away. Accordingly, 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. In addition, a hire purchase agreement over terms of 1 to 6 years.

Ever ask yourself "How much can I borrow?" Freedom Finance has the answer.

What rates can I get?

So: what kind of loan rates can you get? Well, the rate or APR lenders offer you 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. Then, we’ll give you a quick online decision.