Optimum Credit

Cardiff-based Optimum Credit Ltd were established in 2014 by 5 directors with circa 60 years combined experience of second charge lending. Optimum are funded by RBS, Natixis Bank and their parent company Patron Capital Partners.

Optimum’s success is under-pinned from forging strong relationships with brokers, facilitating an unrivalled service proposition to customers.

All of Optimum Credits products are individually priced using their unique automated decisioning system and there is no matrix.

Let us take the hard work out of searching for a loan

  • Loans from £500 to £2 million
  • We have a comprehensive panel of leading lenders
  • 9 out of 10 applicants are offered a loan

Need guides to borrowing?

Our aim at Freedom Finance is to provide you with the information you need to make educated decisions when it comes to your borrowing and your money. The online financial market place is filled with conflicting, jargon-filled information about which loan product is the right one for you.

These deals may look attractive, but many of them apply only to those with an outstanding credit history. In reality, the best deal on offer might not be available to you. With our comprehensive finance guides, we aim to equip you with the know-how to make the best decisions about your borrowing and your money.

Check out our helpful guides:

See what our customers are saying

Whether you're planning on some home improvements, replacing your car or simply getting your finances in order, a loan from Freedom Finance could be more affordable than you think. Use our calculator above to find the ideal loan for you. All quotations given are for illustrative purposes only. Credit subject to status. The rate you are offered will depend on your personal circumstances, credit assessment procedures and other related factors.