ClickFinance review

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

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Our verdict

ClickFinance is a UK broker aimed at borrowers whose credit history rules out mainstream lenders, with an APR range of 8.9% to 29.9% and lending against a home. It suits people who want a broker to search lenders for them, including guarantor and debt consolidation routes, and a mortgage service alongside.

Key facts

Best for
Borrowers with poor credit or a property to secure the loan against.
APR
8.9% to 29.9% (Source, checked September 26, 2026)
Loan amount
£1,000 to £25,000 (Source, checked September 26, 2026)
Term
84 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18+ and resident in England and Wales; tenants or clients living with parents accepted (Source, checked September 26, 2026)
Loan types
Personal, Payday, Guarantor, Secured, Car, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
1 Click Finance (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
1clickfinance.co.uk

Mortgages

APRC
7.3% (Source, checked September 26, 2026)
Maximum loan to value
75% to 85% (Source, checked September 26, 2026)
Product fee
£1,000 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
1 Click Finance (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)

Pros and cons

Pros

  • One broker covers personal, payday, guarantor, secured, car and debt consolidation lending.
  • Same-day funding is offered on personal loans.
  • Free early repayment, so a loan can be settled early without a charge.
  • Homeowner lending opens a variable rate route that mainstream credit checks often close off.

Cons

  • Applications run a hard credit check, so a declined application can be recorded.
  • Support runs on phone and email only, with no live chat.
  • Borrower eligibility is limited to residents of England and Wales.

Ready to try ClickFinance?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults in England and Wales with a poor credit history who need a wider lender search.
  • Homeowners who can offer property as security and want a broker rather than a single lender.
  • People consolidating several debts into one payment.

Who should look elsewhere

  • Anyone outside England and Wales, since eligibility is not open to them.
  • Applicants who cannot risk a hard credit check on their file.
  • Borrowers who want live chat support, as help runs on phone and email only.

Where it sits among rivals

ClickFinance lends more than many of the rivals listed here. Its loan amounts run to £1,000 to £25,000 and its terms stretch to 84, placing it well up the tables on both measures. Among the brands compared on this site it ranks on loan amount at 260 out of 685, and on term at 40 out of 232. That reach comes with a wider APR range than most, from 8.9% to 29.9%.

Who runs it

ClickFinance operates as 1 Click Finance, a broker based in the United Kingdom rather than a lender in its own right. Its registration with the Office of Fair Trading carries the reference 633714. Because it brokers, the rate a borrower ends up with comes from the lender the application is passed to. Customer service runs on phone and email.

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

What APR does ClickFinance charge?+

The quoted APR range is 8.9% to 29.9%, which is a wide spread and tells you pricing depends heavily on the lender an application reaches. As a broker, ClickFinance passes applications on rather than lending itself, so the rate you are offered comes from the lender that accepts. Compare that range with the site median of 12% before applying.

How much can I borrow and over what term?+

Personal loans run from £1,000 to £25,000 with terms of up to 84. That is a longer maximum term than most of the brands listed on this site, which is helpful if you want to keep monthly payments down. The trade-off is that a longer term means more interest over the life of the loan.

Does applying leave a mark on my credit file?+

The credit check is hard, so an application is recorded on your file whether or not it succeeds. That matters most if you plan to apply elsewhere soon after, because lenders see a recent search. ClickFinance is aimed at people with a poor credit history, so a hard search is expected in that segment.

Which kinds of loan does ClickFinance arrange?+

The broker handles personal, payday, guarantor, secured, car and debt consolidation lending. The guarantor and secured routes are the ones aimed at applicants whose credit history blocks them elsewhere. Debt consolidation is included, so several balances can be rolled into a single repayment.

How is ClickFinance regulated and who is behind it?+

ClickFinance is a broker rather than a lender, run by 1 Click Finance and based in the United Kingdom. Its Office of Fair Trading registration is 633714. As a broker it does not set the final rate, which comes from the lender the application reaches.

Is it worth repaying a ClickFinance loan early?+

Free early repayment is offered, so there is no charge for settling the balance ahead of schedule. That makes it worth overpaying if the rate is high or your circumstances improve. Early repayment is included on personal loans, which are the products the terms of 84 apply to.

Who is eligible to apply?+

You need to be an adult resident of England and Wales, and the service is open to tenants as well as people living with parents. That last point widens the pool well beyond homeowners, though the credit history on file still decides which lenders are approached. Applicants outside England and Wales are not eligible.

Can ClickFinance help if my credit is poor?+

Yes, poor credit is the segment it targets, and the routes it offers for thin files include guarantor loans and loans secured on a property. Homeowner lending runs at a variable rate of variable, with loan amounts of £1,000 to £25,000. Being turned down still leaves a hard search on your file, so apply through one broker at a time.

How do I get in touch with support?+

Support is offered on phone and email, so phone and email cover all of it. There is no live chat and no branch network, which suits people who are happy to deal with a broker by phone. The absence of chat makes it a weaker fit if you prefer typing short questions through a messaging widget.

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: Headquarters, Legal entity, Lender type, Support channels

    “Address: 276 Monument Road, Edgbaston, Birmingham,B16 8XF”

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

    Backs: 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/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 7 source pages, checked September 26, 2026. We did not open an account.

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

ClickFinance

Borrowers with poor credit or a property to secure the loan against.

8.8/10See alternatives

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