ClearScore partners with Stream to bring automated debt repayment technology to UK workers

LONDON, United Kingdom: 01 July 2026 – ClearScore, a global leader in financial marketplaces, has partnered with Stream, the leading Workplace Finance platform, to bring ClearScore’s automated debt consolidation technology, Clearer, into Stream’s Workplace Loans offering.

Clearer ensures that when a customer takes out a debt consolidation loan, the money is automatically used to pay off their existing debts, ensuring debt burdens are removed, along with the friction of settling multiple loans. This simplifies money management for Stream members by replacing multiple debts with a single, structured loan repaid through payroll.

Stream is the leading Workplace Finance platform, reaching 4 million workers through 2,000 employers globally. It gives workers access to fair, inclusive financial tools in one place, enabling them to understand their finances better, get paid when they choose, save, learn, budget, plan ahead and access affordable credit when they need it.

Backed by Fair4All Finance, the partnership will enable Stream to use Clearer to support the 3 million UK employees with access to its platform in consolidating and repaying existing debts. By combining Clearer’s automated repayment technology with Stream’s Workplace Finance model, users will be able to repay debts directly via payroll, clearing their existing, often more expensive debts. 

In the two years to May 2024, 15.3 million adults applied for one or more credit products. Of those who applied in the same period, 22% were declined. The UK Government has recognised the importance of extending access to affordable credit to prevent longer-term financial harm in its recent Financial Inclusion Strategy.  

ClearScore's research has found that more than 60% of people taking out consolidation loans failed to use at least half of the funds to repay their debts. Those borrowers were nearly three times more likely to fall behind on repayments than those who did repay their debts. By automatically settling debts as part of the application process, Clearer removes this risk entirely.

The partnership with Stream builds on ClearScore’s ambition to make debt consolidation safer, simpler and more scalable across the lending ecosystem. Earlier this year, ClearScore announced it would embed the technology directly into lender applications, with Stream the first lender to integrate Clearer into its platform. To date, ClearScore has handled over £40 million in payments associated with Clearer-powered consolidation loans.

For lenders and partners, Clearer delivers:

1. Guaranteed repayment of existing liabilities
2. More accurate risk assessment and pricing
3. Lower default risk
4. Fully digital journeys with lower cost to serve
5. Scalable support for Consumer Duty and foreseeable harm obligations

Tom Markham, Chief Commercial Officer at ClearScore, said: 

“Debt consolidation can be a powerful tool for people trying to manage multiple repayments, but historically there has been no guarantee that funds are used to pay down debt. Clearer solves that problem by automating repayment at source. Partnering with Stream means we can bring this technology to workers through their employers, with the consolidated loan repaid through payroll and simplifying the process.”

Geoff Thiessen, Chief Credit Officer at Stream, added: 

“Debt consolidation should be a supportive tool for people under financial pressure, but the data shows that without proper safeguards, it can add to the problem rather than solving it. Clearer changes that completely. By automatically settling existing debts as part of the loan process, and with repayments aligned with payroll, workers get a safer, simpler path out of debt. This partnership with ClearScore is exactly the kind of innovation which demonstrates what fair credit can and should look like, and we’re excited to be the first to deliver it through the channel of the employer.”