Credit Clock Review (2025) | Is Credit Clock Legit? 5 Points that Prove It Is

— Review updated Nov 2025

- Nov 4, 2025

Credit Clock connects borrowers to lenders offering personal loans with APRs ranging from 5.99% to 35.99%. No upfront fees are charged by the platform, but final loan costs depend on the lender.

Terms lack upfront clarity and flexibility. Attempts to reach customer support via email were unsuccessful, lowering their service reliability.

Overall, transparency and support responsiveness are weak, reducing appeal.

Read the full review

Credit Clock At glance

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

The lack of customer support deal a great impact on customer experience.

Company name

Credit Clock

Website

https://www.creditclock.net/

Address

86-90 Paul Street, London, EC2A 3NE

Pricing

Credit Clock connects borrowers to lenders offering personal loans with APRs between 5.99% and 35.99%. No upfront fees from Credit Clock itself, but final fees depend on lenders.

Customer Support

It's impossible to reach the customer support via email or phone.

Terms and Flexibility

Loan terms are lender-dependent. No clear upfront fee structure disclosed; terms and conditions provided post-application. Flexibility and transparency could be improved.

Pros & Cons

One Form, Multiple Offers: You submit a single online application and Credit Clock shares it with a network of lenders so you can compare options.
No Upfront Platform Fees: The site says there are no upfront fees to use Credit Clock; any costs come from the lender you choose.
Bad-Credit Considered: “All FICO scores welcome,” which means applicants with thin or damaged credit can still be matched with offers
Quick Decisions & Fast Funding: Decisions can come in minutes and some lenders fund as fast as the next business day.
Published APR Range: The platform discloses a representative APR range of 5.99%–35.99%, so you have a sense of potential costs before applying (which isn't always the case with loan aggregators).

Limited by State: The site notes some lenders/services aren’t available in all U.S. states, which may block eligibility depending on where you live (unavailable in AR, CT, NH, NY, MT, SD, VT, WV, IN, MN).
Not a Direct Lender: Credit Clock doesn’t make lending decisions—you contract with third-party lenders, so terms and experiences will vary.
Limited Transparency & Support: Key details often arrive only after you apply, and reviewers report difficulty reaching support, reducing confidence.
Potential for Unwanted Marketing

Details

Credit Clock Loan

Terms & fees

Loan amount$100 - $5,000

Term2 months - 2 years

Annual interest rate5.99% - 35.99%

Origination feeVaries by lender

Monthly feesVaries by lender

Requirements

Minimum age18

Minimum income$0

National bank requiredYes

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodNo

Accept bad credit historyYes

Weekend payoutNo

Loan extensionsNo

Early paybackYes

Payment within 24 hoursYes

Loan brokerYes

Interest free loanNo

Additional fields

Payment hoursAlways Open

High approval rateNo

Recommended companyYes

Get started

Credit Clock is an online loan-matching service that connects borrowers with lenders offering payday loans and other short-term loan options.

Although conditions might differ from one loan provider to another, usually you can find loans ranging between $100 – $5,000 with an interest rate that starts at 5.99% and can go up to 35.99%.

The company aims to make applying for quick cash loans as simple and convenient as possible for consumers.

In this Credit Clock review you will learn everything there is to know about this company, how it works and how our team rates it.

Do We Recommend Credit Clock?

Yes, we recommend Credit Clock as a reliable financial institution. Keep reading to see the Credit Clock Review in details.

Credit Clock Overview

Let's take a closer look at what Credit Clock offers:

Characteristic	Credit Clock
Loan amounts	$100 - $5,000
Loan terms	2- 24 months
Interest rates	5.99% - 35.99% APR
Eligibility	Bad credit accepted
Application process	100% online
Cost	Free to use
Funding speed	As fast as same day
Service availability	Available in 40 US states

Credit Clock acts as an intermediary between borrowers and lenders. When you submit an application through their website, they share your information with their network of lenders to try to match you with loan offers. This allows you to potentially receive multiple loan options by filling out just one application.

They offers a convenient way to quickly check for loan options, especially for those with less-than-perfect credit. However, as with any financial product, it's important to carefully review the terms and only borrow what you can afford to repay.

According to their website, Credit Clock has already helped connect over 2 million borrowers with lenders. Their service is free to use, available 24/7, and provides quick decisions - often in just minutes.

Some key benefits of using Credit Clock include:

Quick and easy application: The online form takes just a few minutes to complete.
Fast funding: Many lenders can deposit funds as soon as the next business day if approved.
Bad credit accepted: Lenders in their network consider applicants with less-than-perfect credit.
Large lender network: Increases your chances of finding a loan match.
Free service: There's no cost to use Credit Clock to check for loan offers.

Category	Rating
Affordability	⭐⭐⭐
Application process	⭐⭐⭐⭐⭐
Loans terms	⭐⭐⭐⭐
Transparency	⭐⭐⭐⭐⭐
Customer support	⭐⭐
Overall	⭐⭐⭐⭐

Affordability - Credit Clock offers a reasonable maximum APR of 35.99%. However, its overall rating isn't stellar, primarily because its main product is payday loans, which typically come with higher APRs. Additionally, first-time borrowers often face higher interest rates.

**Application process **- The whole process is quick, easy, and can be made online.

**Loan terms **- The loan terms, up to 24 months, are good for personal loans. Just be aware that the APR is paid montlhy. So the longer term, the higher cost.

**Transparency **- Credit Clock provides full disclosure of all terms and conditions before you apply for a loan.

**Customer support **- As a loan broker, Credit Clock's customer support are very hard to reach. Generally, you have to choose a partner and use their support.

Try Credit Clock for free

Credit Clock Loans

Credit Clock offers a variety of loan options to suit different financial needs. Whether you're looking for a quick cash injection or a longer-term borrowing solution, they've got you covered. Let's break down the main Credit Clock loans.

Payday Loans

These are short-term loans designed to tide you over until your next paycheck. Altough they're easy to get, the APR can get really high.

Usually, Payday Loans are best fit for smaller amounts and short repayment terms with higher APR. That's what you can find when searching for a Payday Loan at Credit Clock:

Loan amount: Between $100 and $1000
Repayment terms: Usually 2 months
APR: Between 5.99% and 35.99, tending to be higher.

Check out the good and the bad of payday loans.

Personal Loans

Personal loans are versatile credit that can be used for various purposes, from debt consolidation to home improvements. It's totally up to you.

Personal loans typically offer more favorable terms compared to payday loans. Here's a closer look:

Loan amount: Between $500 and $5000
Repayment terms: Usually 6 months or higher
APR: Between 5.99% and 35.99, tending to be lower.

How to Apply for a Loan at Credit Clock

Now that you're familiar with Credit Clock's loan offerings, you might be ready to take the plunge and apply. Don't worry, the process is straightforward and designed to be as hassle-free as possible.

First, let's cover the basic requirements:

Must be 18 years or older
Valid government-issued ID
Active bank account
Regular source of income
US citizenship or permanent residency

Got all that? Great! Here's your step-by-step guide to applying for a loan with Credit Clock.

Pro tip: Before accepting any loan offer, make sure you understand all the terms and fees. Don't hesitate to ask questions if anything is unclear. Your financial health is important!

Remember, while Credit Clock makes borrowing accessible, it's crucial to borrow responsibly. Only take out what you need and can comfortably repay.

Is Credit Clock Legit?

After thoroughly researching Credit Clock, it's possible to say that Credit Clock is a legitimate loan-matching service. Let's break down the facts.

First off, Credit Clock has a solid track record. They've successfully matched over 2 million borrowers with lenders since their launch. That's a lot of people getting the financial help they need!

Here are some key points that support Credit Clock's legitimacy:

Credit Clock Legitimacy

Transparency: Credit Clock is upfront about their service, fees, and the fact that they're not a direct lender.
Regulated lenders: They work with licensed and regulated lenders, which adds an extra layer of protection for borrowers.
Positive customer reviews: Many users report a smooth, helpful experience with Credit Clock.
Clear terms: Loan terms and conditions are clearly explained before you commit.
Fast service: They deliver on their promise of quick loan decisions, often within minutes.

However, every loan company presents risks, so you need to be carefully. Here are some possible drawbacks with Credit Clock. Be aware of all fees and take only the amount you need in your loans.

Apply for a secure loan

Who is Credit Clock Best For?

Now you know Credit Clock Review and we've established Credit Clock's legitimacy, let's talk about who can benefit most from their services. Credit Clock isn't a one-size-fits-all solution, but it can be a great option for many borrowers.

The ideal Credit Clock customer might look something like this:

Need for quick cash: If you're facing an unexpected expense or emergency, Credit Clock shines. Their fast approval process can get money in your account as soon as the next business day.
Less-than-perfect credit: Got a few dings on your credit report? No problem. Credit Clock works with lenders who look beyond just your credit score.
Steady income: While they accept various income sources, having a regular paycheck makes you a stronger applicant.
Short-term borrowing needs: Credit Clock excels at connecting borrowers with short-term loans, typically ranging from $100 to $5,000.
Tech-savvy: The entire process is online, so if you're comfortable using the internet, you'll find Credit Clock a breeze to navigate.

Credit Clock FAQs

What Is Credit Clock and How Does It Work?

Credit Clock is an online loan-matching service that connects borrowers with lenders. It works by having users fill out a single application, which is then shared with multiple lenders in their network. The platform processes over 2 million loan requests annually. Lenders review the application and, if approved, offer loan terms.

How to Apply in Credit Clock?

Applying to Credit Clock is a straightforward online process. Visit their website and fill out the application form with your personal and financial details. The application takes about 5 minutes to complete. Choose your desired loan amount and term, then submit. Credit Clock's algorithm matches you with potential lenders. If approved, review offers, select one, and finalize directly with the lender.

What Are the Pros of Credit Clock?

Credit Clock offers several advantages to borrowers. It accepts applications from those with credit scores as low as 300, making it accessible to many. The service is free to use and provides quick decisions, often within minutes. It offers a wide range of loan amounts, from $100 to $5,000. The platform also allows users to compare multiple loan offers from different lenders, potentially helping them secure better terms.

Our Commitment to Transparency

At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.

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