Freedom Finance has changed forever. We are now Aro.

Welcome to Aro. You’re in the right place as Freedom Finance rebranded to Aro in August 2023. It’s the same great marketplace with a wide range of lenders that you can check your eligibility with. So, all you need to do is tell us a bit about yourself. Ready to get started?

Aro is a credit broker, not a lender.

More choice, more power to you

Personal loans

The classic, if you will. Borrow a fixed amount and repay it over fixed amount of time, plus interest. Simple.

Secured loans

For homeowners only. The potential to borrow larger amounts repaid over a longer period.

Credit cards

Purchases, rewards, transfers – whatever card you’re looking for, we can help you find it.

Car finance

For cars old or new. Find the finance you need to get from A to B.


Moving, staying put or investing in a buy-to-let – whatever mortgage you need, just speak to our partner.

Our story

Today, it’s not easy to get borrowing right. A lack of options combined with one-size-fits-all credit checking bars many people from the world of finance. It’s not good enough, and we think it’s time for change.

At Aro, we’re putting the power back in your hands. Through our platform you can use your data to access more tailored, accurate borrowing options that actually meet your needs. With us, you can be confident in your credit offers. Confident that you’ve searched over 50 UK lenders on the Aro Marketplace and been matched with the right products for you and your finances.

Powerful data. Plenty of options. Putting you first. It’s a simple formula, and one we use to make sure everyone can get borrowing right.

We’re Aro. Helping you borrow right today, for a better tomorrow.

Think big. Think Aro.


Here, you’ll find over 50 UK lenders.


Lent out to our help our customers reach their financial goals each year.

Let us point you in the right direction

Smart. Accurate. Data-driven. Our dynamic search lets you compare over 50 UK lenders to help you borrow right – now, and for the future.

Our Lenders

Aim higher with Aro. The smart way to search.

The power is in your hands

All the information you need, all in one place. Aro tells you what you need to know upfront, so you can make the right decisions about your borrowing.



We use powerful data to accurately match you with tailored borrowing options.

Credit score protection

Credit score protection

Our smart search won’t harm your credit score.

Rate clarity

Rate clarity

Clearly see if your rate is representative or guaranteed.

We use powerful data to show you Personal Credit Solutions 24-7.

Arrow point right.
Arrow pointing left.

At Aro, we use powerful data to ensure the credit solutions we show you are personalised to you. This means that not only will they be suited to your needs, but you’re also more likely to get the outcome you came for.

Want to see what we can do for you? Check your options with us now to find out.

Warning: Late repayment can cause you serious money problems. For help go to

Answers at your fingertips

Is Aro a credit broker or a lender?

Aro is a credit broker, not a lender. This means that when you check your loan, credit card or car finance options through us, we use smart decisioning to quickly check your details against our lenders’ eligibility criteria and find you suitable borrowing options.

How many lenders do you have?

As a credit broker, currently we have over 50+ UK lenders, credit card providers, mortgages and specialist car finance brokers that we can check your eligibility against.

Does Aro’s smart search affect my credit score?

No, our smart search won’t impact your credit score. At Aro, we only use a soft credit check to match you with accurate borrowing options. This means that when you look for a loan, credit card or car finance through us, the search on your credit file won’t be visible to anyone but you.

If you do choose to proceed with a lender, the lender may run a hard credit check to make their final decision.

How much can I borrow?

Good question. Essentially, this all comes down to you and your situation. If you have a lower credit score or are already responsible for a number of credit repayments, you might find that the maximum amount you’re eligible to borrow is a bit less.

That said, typically personal loans range from £500 to £35,000 over terms of 1 to 7 years. If you’re a homeowner, you could also think about a homeowner loan. Homeowner loans tend to range from £5,000 to £500,000+ over terms of 1 to 30 years.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

For credit cards, all cards come with a minimum and maximum credit limit. The credit limit you’re offered will depend on your personal circumstances. If you’re not offered the maximum credit limit straight away, your credit card provider could increase your credit limit in the future.

If you’re searching for car finance, Aro can help you compare both hire purchase (HP) and personal contract purchase (PCP) agreements. Our car finance options could help you borrow up to £200,000 over terms of 1 to 6 years.

What rates can I get?

The rate or APR you’re offered by lenders on a loan will be based on both your credit history and personal circumstances.

At Aro, we precisely assess all of your borrowing needs. Then, we use your data to match you with the best products for you and your finances. We also clearly indicate when a rate is real (guaranteed) or representative (advertised).

This means you’re clear on what rate you can expect before you proceed with a lender.

Not clear on the difference between real and representative rates? Our guide to real rates explains all.

Partner with Aro

Looking to partner with Aro?

  • The UK’s go-to embedded finance partner
  • Offer your customers finance solutions from the UK’s largest lending marketplace
  • Personal Credit Matching delivers more tailored credit offers and better customer outcomes
  • Learn more about your customers than ever before through our powerful data insights

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