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ClickFinance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

ClickFinance suits borrowers with poor credit who want fast access to personal, secured or guarantor loans, and it scores 8.2 for the breadth of its offer. The trade-off is a hard credit check on the credit file and an APR of 8.9% to 29.9% on the homeowner range.

Key facts

Best for
Fast personal and homeowner loans for applicants with imperfect credit.
APR
8.9% to 29.9%↗
Loan amount
£1,000 to £25,000↗
Term
84 months↗
Credit check
Hard↗
Rate type
Variable↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
18+ and resident in England and Wales; tenants or clients living with parents accepted↗
Loan types
Personal, Payday, Guarantor, Secured, Car, Debt-consolidation↗
Credit needed
Poor↗
Legal entity
1 Click Finance↗
Headquarters
United Kingdom↗
Support channels
Phone, Email↗
Features
Same-day funding
Official website
1clickfinance.co.uk

Credit cards

Rewards type
Miles↗
Card kind
Credit↗

Mortgages

APRC
7.3%↗
Maximum loan to value
75% to 85%↗
Product fee
£1,000↗
Purpose
Purchase, Remortgage, Buy-to-let↗

Personal insurance

Insurance types
Auto, Home, Travel, Van, Pet, Health, Motorcycle, Breakdown, Landlord↗
Provider type
Broker↗
Age range
18 and over↗

Facts checked September 26, 2026, 9 sources

Pros and cons

Pros

  • Personal loans of £1,000 to £25,000 repayable over 84 months, with free early repayment
  • Same-day funding, a feature carried by 30.8% of borrowing brands
  • Mortgages sit alongside the loans, covering purchase, remortgage and buy to let at 75% to 85% loan to value

Cons

  • Personal loan applications run a hard credit check, which leaves a trace on the file
  • The homeowner APR of 8.9% to 29.9% sits above the 14.43% recorded across personal loan brands
  • Support runs on phone and email only, so there is no chat desk

Ready to try ClickFinance?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Adults who are 18 and over and live in England or Wales, with tenants and people living with parents accepted
  • Anyone consolidating debt or buying a car, since the personal, payday and guarantor range covers both
  • Homeowners who want a variable rate alongside a personal loan

Who should look elsewhere

  • Cashspace, which prices at PHP 12 to PHP 36 in Philippine pesos, so a GB borrower is in a different market
  • Creduma ES, whose from €12,000 floor is set in euros and sits well above the £1,000 to £25,000 floor here
  • Sofkredit, whose 10.74% to 18.06% band comes from a Spanish market rather than the GB one ClickFinance serves

Deposit protection

ClickFinance is a broker, so it sends applications to lenders and does not hold savings itself. It is authorised in Great Britain under Office of Fair Trading licence 633714, which is the reference to check on any quote you receive. Because the broker does not hold the money, read the terms of the lender you are matched with, since the rate and the credit check both come from that lender.

The company behind it

ClickFinance trades as 1 Click Finance, a broker based in the United Kingdom that holds Office of Fair Trading licence 633714. Support runs on phone and email, so questions go by phone or email. The same licence sits behind the credit card, mortgage and insurance lines the broker also places, which is worth checking on each product you take.

How ClickFinance compares

Where ClickFinance is available

Available
Ireland, United Kingdom
Licence in United Kingdom
Office of Fair Trading (633714), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow and over what term?+

Personal loans are sized £1,000 to £25,000 and repayable over 84 months, and early repayment carries no charge. A shorter term then costs less in total whenever the monthly budget can take it. The amount you are actually offered depends on the lender you are matched with.

What APR will I pay?+

The APR on the homeowner range runs 8.9% to 29.9%, which is the widest cost here. Across personal loan brands the recorded APR sits at 14.43%, so the cheaper end of the band competes while the top of it does not. Ask the matched lender for a representative example before you sign.

Will the application run a credit check?+

Yes. Personal loan applications run a hard credit check, which shows on your file for a while. The homeowner range is priced for poor credit, so a thin file is expected rather than disqualifying, and tenants or clients living with parents are accepted.

How quickly can I get the money?+

Same-day funding is listed among the features, and only 30.8% of the borrowing brands carry it, so it is not a line every lender uses. Timing still turns on the hard credit check and on the lender's own decision once the application lands.

Is my money protected and who regulates the broker?+

ClickFinance is a broker, so it passes applications to lenders rather than holding savings, and it is authorised in Great Britain under Office of Fair Trading licence 633714. The rate you are given comes from the lender, so weigh the terms of that lender as well as the broker licence.

What can I use the loans for?+

The stated personal, payday and guarantor range covers personal, payday, guarantor, secured, car and debt consolidation borrowing, so most household needs sit inside it. Consolidation puts several balances on one monthly payment, and the guarantor route stays open where a sole application would fail on credit.

Does it offer anything other than loans?+

Alongside loans, the broker places mortgages for purchase, remortgage and buy to let priced at 7.3% with a product fee of £1,000, credit cards earning miles rewards, and insurance across auto, home and travel lines. Each of those products runs under the same Office of Fair Trading licence 633714.

Sources

  • 1clickfinance.co.uk checked September 26, 2026

    Backs: Features, Loan types, Licences

    “Payday loans: Borrow between £80 and £750, with a decision within minutes.”

  • 1clickfinance.co.uk/about.html checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Lender type, Support channels

    “1ClickFinance is an independent broker which was founded to search the entire market in order to help you find the best deal you possibly can.”

  • 1clickfinance.co.uk/creditcards.html checked September 26, 2026

    Backs: Card kind, Rewards type

    “Apply today for one of the British Airways American Express Credit Cards and your everyday spend will soon convert to something you won't see everyday.”

  • 1clickfinance.co.uk/data-protection.html checked September 26, 2026

    Backs: Age range, Eligibility

    “The Website is currently intended for those who access it from within England and Wales and who are 18's and over.”

  • 1clickfinance.co.uk/homeowner.html checked September 26, 2026

    Backs: APR, Credit needed, Rate type

    “Rates from just 8.9% to 29.9% APR.* (Typical 9.4% APR Variable) - Homeowner Loans”

  • 1clickfinance.co.uk/insurance.html checked September 26, 2026

    Backs: Insurance types

    “We can offer the following: Private Motor, Household, Travel, Taxi and Minibus, Motorhome, Caravan, Pleasure Craft, Van and Truck, Business, Wedding, Pet & Horse, Health and Weath, Motor Trade,...”

  • 1clickfinance.co.uk/mortgages_app.html checked September 26, 2026

    Backs: APRC, Maximum loan to value, Product fee

    “The overall cost for comparison is a typical 7.3% APR variable.”

  • 1clickfinance.co.uk/mortgages.html checked September 26, 2026

    Backs: Purpose

    “Mortgages / Remortgages / Buy to Let Mortgages / Commercial Mortgages”

  • 1clickfinance.co.uk/personal.html checked September 26, 2026

    Backs: Loan amount, Credit check, Free early repayment, Term

    “Loans from £1000 to £25,000.”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Funding time, Representative example.

ClickFinance

Fast personal and homeowner loans for applicants with imperfect credit.

8.9/10See alternatives