Bank of England
The Bank of England is the central bank of the United Kingdom, responsible for setting monetary policy, controlling inflation, and ensuring the stability of the financial system.
The best consumer lending software in the United Kingdom
Lending can be profitable, but it is hard work. Lendsqr's consumer lending software makes it easier: start, launch and grow your loan business across multiple channels and make smart decisions, all at a fraction of the cost.
Quick Integration. Set up your lending business with time-saving integration.
Automated Processing. Real-time automation to optimize your business.
Fully Customizable Choose from powerful features that work for your business.
Lending in the United Kingdom at a glance
- Regulators
- Bank of England, Competition and Markets Authority, and Financial Conduct Authority
- Credit bureaus
- Equifax and TransUnion
- Local currency
- United Kingdom Pound (GBP)
- Lenders listed
- 86
Regulators
Who regulates lending in the United Kingdom
Lenders in the United Kingdom answer to these bodies. Check their current licensing and reporting rules before you start lending.
Competition and Markets Authority
The Competition and Markets Authority (CMA) is an independent agency responsible for promoting competition and protecting consumers in the UK. It investigates anti-competitive practices, mergers, and acquisitions, and enforces competition laws.
Financial Conduct Authority
The Financial Conduct Authority regulates consumer credit and other financial services firms in the United Kingdom.
All the capabilities
you need to simplify your lending process
Our robust end-to-end loan management software enables us to offer support throughout the entire lending lifecycle.
Origination means receiving and setting up loan requests.
origination
We’ve digitized the entire loan origination process
Launch your lending business effortlessly across multiple channels including web, mobile, WhatsApp, USSD, and APIs. Our lending software solutions get your loan business up and running in as little as 30 minutes.
Channels & Distribution
Create and manage diverse loan products that cater exactly to what your customers want, all with our easy-to-use management tools.
Learn more about Channels & Distribution
Loan Product Management
Savings & Investment Management
Manage your entire lending operations all-in-one place
With Lendsqr's advanced loan management back office, you gain total control and clarity over every aspect of your loan business.
customer MANAGEMENT
The most efficient customer management tool for lenders
Easily scale to manage your growing customer base. Track your most important customer metrics such as onboarding attempts, active and inactive users, and logins.
transaction monitoring
Track real-time data on all the transactions in your business
Gain a wider overview and summary of all the transactions that happen in your loan business. View and download all settlement summary data for faster resolutions and planning.
automations
Reduce the risk of manual errors
Our back office is fully equipped with powerful automations that reduce the time it takes to complete repetitive tasks like approvals, disbursement and repayments, allowing you to spend more time on growth.
teams
Unleash efficient collaboration within your business
Simplify teamwork by inviting team members and assigning specific permissions for streamlined business management. From risk assessment to client interactions, Lendsqr makes collaboration easy, enhancing your overall lending efficiency.
reporting
Get detailed insights on your business
Our dashboard and reports provide you with extensive data on how your products and customers are doing. Monitor your top performing products, customers and other metrics, helping you channel your efforts better.
Lenders in the United Kingdom
86 lenders in the United Kingdom are listed in the Lendsqr lender directory.
Lenders by type
86lenders listed
- Bank34
- Money Lender19
- Fintech17
- SME Lender6
- Credit Union5
- Microfinance Bank3
- Other Lender1
Typical loan size
GBP 1,000 to GBP 25,000
Typical loan tenor
12 to 60 months
Shortest to longest typical term
What borrowers usually need
- Proof of income
- Valid ID
- Valid ID and personal details
- Good credit history
- Proof of residence
Lenders to explore
How to get licensed in the United Kingdom
Guides from the Lendsqr blog on getting a lending license in the United Kingdom.
Lending
How to get an FCA consumer credit license in the UK
Obtaining an FCA consumer credit license is a key step for businesses that want to offer loans, credit cards, BNPL, or other consumer credit products in the UK.…
June 15, 2026
Consumer lending software for the United Kingdom
Lendsqr helps lenders in the United Kingdom offer personal, salary and payday loans. Set your loan products, interest, fees and tenors, and let your decision model check each borrower.
Borrowers apply on your website or app, and your team handles approvals, repayments and reminders from one back office.
Pricing in the United Kingdom
Choose the plan that suits your needs. Paid plans also have a one-off setup and licensing fee, quoted during onboarding.
Free
£0
Per month, billed monthly
Free Features:
Loans and Loan Products
Decision Models
Disbursements
Customer Web App
Notes and Comments
Pro
£200
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Free +
Team management
Offer letters
Approval Workflows
Web App Customizations
Business
£500
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Pro +
White label mobile app (with additional cost)
Customer Groups
Referral Configurations
Savings and Investment
Adjutor API Service
Enterprise
Custom
+ one-off setup fee, quoted during onboarding
All features in Business +
External loans (Web SDK)
Custom mobile app
CBA/ERP Integrations
3rd party integrations
On-premise deployment license
WHY LENDSQR?
We've overcome every challenge to empower your success.
Having encountered nearly every issue a lender might face, we offer comprehensive solutions. By choosing Lendsqr as the backbone of your digital lending platform, you are choosing guaranteed growth and success.
Cost effective
Launch at 5% of the cost of building your own proprietary platform.
Faster time to market
Launch on the web in as little as 30 minutes, add USSD within hours, and go live with a mobile app in weeks.
Community immunity
Access to tons of data from other lenders to collaboratively block bad borrowers.
Expertise
Lendsqr talents have extensive experience with credit, data, and tech.
Lenders love Lendsqr!
Our strong capability and robust platform enable us to offer support across the entire lending lifecycle.
3.7m+ customers
Our Lending-as-a-Service platform helps lenders serve over 3.7m humans across the world.
Available in 190+ countries
We're global but also localized for every currency and locale.
Cost effective solution
Getting started with Lendsqr is very affordable. Our lenders leverage a robust infrastructure at a fraction of the cost it would take to build theirs!
30 mins average time to market
It can take as little as 30 minutes for a lender to sign up and start accepting loan requests. Yet, we also deliver customized features in record time.
Trusted by lenders world-wide
We're helping lenders across the world scale their loan business
Trusted by established lenders around the world
Enterprise and small teams rely on Lendsqr.
Lendsqr has significantly expedited our entry into the difficult but large retail lending market. Their solution not only shortened the time to market but also at a significantly reduced cost.
Abubakar Suleiman
CEO, Sterling Bank (SnapCash)
Get providers to power your lending in the United Kingdom
Need the right providers to support your lending? We’ve gathered everything from payment solutions to KYC tools, credit checks, and bank statement services all in one place. Let’s help you get started with the right partners today.
Explore now (opens in a new tab)
Providers lenders in the United Kingdom work with
Credit Bureau
Equifax
Equifax is a trusted global leader in data, analytics, and technology, providing insights that empower decision-making and drive progress. With nearly 15,000 dedicated professionals focused on putting people first, they aim to foster economically healthy individuals and communities in every market we serve. Their solutions enable businesses to make smarter, faster decisions.
TransUnion
Transunion offers total credit protection all in one place from credit score, credit report and credit alert. Transunion is a registered credit bureau and a repository of credit information on consumers and businesses. TransUnion provides a spectrum of risk and credit analysis products that help business make smarter decisions.
Payments
Flutterwave
Flutterwave is a fintech company founded in 2016, focused on building seamless payment infrastructure for businesses worldwide, with a strong emphasis on the African market. The company's mission is to simplify payments for endless possibilities, enabling businesses of all sizes to accept, process, and disburse payments through a range of versatile payment solutions. With a robust platform that supports multiple currencies and payment methods, Flutterwave has become a key player in connecting Africa to the global economy.
2checkout
2Checkout is a leading digital commerce and payments platform that enables companies to sell products and services globally through multiple channels. It helps businesses acquire customers across diverse touchpoints, improve retention, optimize subscription billing models, and increase revenue through flexible payment solutions.
AccentPay
Accent Pay (often associated with Akurateco’s payment infrastructure) refers to a white-label payment processing and payment orchestration solution used by banks, PSPs (payment service providers), and merchants. It is part of the broader Akurateco ecosystem, a fintech infrastructure company originally founded in Eastern Europe with operations across multiple regions, including Belarus-linked development teams and fintech partnerships.
Allpays
Allpays is an Iran-based online payment gateway and digital financial services platform that facilitates local payment processing for individuals, merchants, and digital businesses operating within Iran’s domestic financial ecosystem. It is designed to help users overcome limitations in international payment access by enabling domestic online transactions, bill payments, and merchant settlements within Iran’s regulated banking environment.
Mobile money
Monzo
Monzo is a UK-based digital bank offering a comprehensive suite of financial services through its mobile app.
Atlantic money
Atlantic Money is a digital financial service platform that allows users to perform transactions such as money transfers, bill payments, and merchant payments through a mobile application.
LemFi
LemFi is a digital platform designed for immigrants, offering free multi-currency accounts, instant money transfers, and competitive exchange rates.
Sendwave
Sendwave is a mobile remittance service that enables users to send money instantly to countries in Africa and Asia.
Verification
4stop
4stop is a cutting-edge identity verification and fraud prevention provider dedicated to helping businesses protect themselves from identity theft, fraud, and regulatory risk. With an emphasis on accuracy, speed, and global coverage, 4stop delivers reliable end-to-end verification solutions that streamline onboarding, reduce friction, and enhance trust.
Blend
Blend is a financial technology company that provides a digital lending platform designed to streamline and automate the lending process for banks and financial institutions. Blend focuses on improving the consumer loan and mortgage application experience through automated workflows, digital document collection, and real‑time data verification.
ComplyAdvantage
ComplyAdvantage is a global leader in AI-driven financial crime detection and compliance solutions. The platform helps businesses identify and prevent risks related to money laundering, fraud, sanctions violations, and other financial crimes.
ComplyCube
ComplyCube is a regulatory technology (RegTech) company that provides digital identity verification, KYC (Know Your Customer), and AML (Anti-Money Laundering) compliance solutions for businesses worldwide, including companies operating in Montenegro. The company was founded in 2020 and is headquartered in London, offering a cloud-based platform that helps organizations automate compliance and customer verification processes.
Loan Recovery
Creditech collection solutions
Creditech has been synonymous with innovative and intelligent financial engineering. They’ve helped implement recovery strategies for a wide range of businesses and municipalities and they pride themselves in giving their consumers the best customer experience.
Debt Kontrol
Debt Kontrol LLC is a debt collection and recovery agency that provides comprehensive debt management services in Venezuela and globally. The company specializes in helping creditors recover overdue payments while maintaining respectful and professional communication with debtors.
Debt Works Credit Management
Debt Works Credit Management is an international debt recovery and credit management company that helps businesses and individuals recover overdue payments and unpaid debts. The company provides professional debt collection and financial dispute resolution services for clients across multiple countries, including Montenegro, through its international recovery network.
BCA
Questions about lending in the United Kingdom
Who regulates lending in the United Kingdom?
Lending in the United Kingdom is regulated by Bank of England, Competition and Markets Authority, and Financial Conduct Authority. Check their current license and reporting rules before you start lending.
How do you get a lending license in the United Kingdom?
The Lendsqr blog has a guide to getting a lending license in the United Kingdom.
How to get an FCA consumer credit license in the UK (opens in a new tab)
How many lenders in the United Kingdom are listed on Lendsqr?
The Lendsqr lender directory lists 86 lenders in the United Kingdom.
How much do lenders in the United Kingdom typically lend?
Typical loans from lenders listed in the United Kingdom range from GBP 1,000 to GBP 25,000.
Which credit bureaus operate in the United Kingdom?
Lenders in the United Kingdom can check a borrower's credit history with Equifax and TransUnion.
How much does Lendsqr cost in the United Kingdom?
Paid plans in the United Kingdom start at GBP 200 a month. The pricing section on this page shows what each plan includes.
Which payment providers do lenders in the United Kingdom use?
Lenders in the United Kingdom disburse and collect with providers such as Flutterwave, 2checkout, AccentPay, Allpays, Apexx, Bottomline Technologies, Check out, and E-commprocessing.
How do lenders verify borrowers in the United Kingdom?
Identity and verification providers in the United Kingdom include 4stop, Blend, ComplyAdvantage, ComplyCube, Credolab, GBG, Hooyu, and Hyper verge.
Who helps lenders recover loans in the United Kingdom?
Loan recovery providers in the United Kingdom include Creditech collection solutions, Debt Kontrol, Debt Works Credit Management, BCA, Cobra, Credit Reform, Debt Collection Agency Liverpool, and Direct Recovery Associates.
