Rating based on 48 reviews

Lending Works

  • Personal loans up to £25,000
  • Low-interest starting from 12.9%
  • Repayment up to 60 months

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Lending Works homepage
Author Lending Works. Screenshot of Lending Works website.
[Accessed April 21, 2020]

About Lending Works

Lending Works was launched in 2014.

We use the latest technology and advanced data science to provide world-class service to our customers. We offer a wide range of services including personal loans, retail finance, and peer-to-peer investors.

Lending Works history

The Lending Works founders had an idea of establishing Lending Works after they have observed the impact of the 'fair trade' movement, and how connecting people directly using smart technology had transformed other industries.

The observation made them keen to bring this change to financial services. They realized that what was missing from most existing financial products is a fair deal for both sides.

We are guided by our vision

Lending Works provide pioneering fair financial services that people love. We innovate constantly to ensure our loan customers, investors and business partners love using Lending Works. We were established in fairness. All our products are designed to accommodate every customer's need .our services are designed by our customers, for our customers.

Lending Works Services

We offer great financial service because we cut out the bank and allow you to borrow money from real people.

We offer financial assistance for everything you might want to buy including car loans, improve your home, pay for a wedding or simply take control of your finances.

A personal loan from Lending Works

The amount you apply for to cover your most important personal things is called a personal loan. Personal loans are easily accessible and once you are approved you might get your funds the same day. You are expected to pay your personal loan in monthly installments for a certain period.

The reasons you should choose Lending Works

  1. Transparent- we are straightforward, with no hidden small print. You can easily understand our contract.
  2. Simple- we do not consist of unnecessary things. We only have Low-cost, fixed-rate personal loans.
  3. Quick- you only wait for 48 hours for the application to payout.
  4. Recommended- we are a multi-award-winning financial service provider. We have 5-star customer service.
  5. Flexible- you can overpay or settle early, any time, at no extra cost.

Lending Works – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 12.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 60 months

Benefits of Lending Works

  • We are straightforward, with no hidden costs
  • Low-cost, fixed-rate personal loans
  • Wait 48 hours for the application to payout
  • You can overpay or settle early at no extra cost

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Apply for the most affordable loans at Lending Works

At Lending Works, we assess all borrowers for affordability and creditworthiness.

You can apply for Lending Works online loans, in just a few steps. There’s no paperwork required.

The benefits of our service

  • Lending Works has a simple loan application form
  • Get a personalized quote in 2 minutes.
  • Finish your application in 30 seconds.
  • Verify your application in 24 hours.
  • Receive your funds in less than 48 hours.

A personalized loan

At Lending Works, we will send you a free personalized loan quote without any impact on your credit file. If you are happy with the quote personalized loan quote and wish to accept your loan, this will leave a footprint on your credit file to let other lenders know you have a loan with us.

The Lending Works criteria

Applying for a loan that does not meet your financial status can negatively affect your credit score. Before applying for any loan, make sure you qualify for it. To apply for Lending Works loan, you should:

  • Be over 18 years and stay in the UK.
  • Have a job and earn every month.
  • Never been declared unfit to receive a loan.

Things you can do with a personal loan

  • Repair a car or vehicle
  • Home improvements
  • Debt consolidation
  • A special event such as a wedding or holiday
  • Any other reasonable purpose

What happens when you miss repayments

When you miss a repayment, Lending Works contact you to discuss your current situation. We give you 5 working days for you to make the payment. Afterward, we apply additional fees and charges, as set out in your credit agreement. If we fail dismally to recover the outstanding payments, we may pass your account to our debt collection partner. It is always best to get in touch with us to discuss your personal circumstances.

We have an ambitious culture

We are not perfect, but we are proud of our culture. Our culture comprises several core principles:

  • We're champions of personal development- our team is responsible for developing themselves. And we support them in everything they do.
  • We're all individuals- we want our staff to come to work, represent their individuality and celebrate our uniqueness.
  • We love sharing knowledge- all our fields have experts and we encourage knowledge-sharing, both internally and externally.
  • Together, we'll achieve more- we strive to become the most loved finance company in the UK. And we will only achieve this when we work as a team, combining all our individual ideas and making something valuable out of them.
man holding thumbs up

Lending Works is a trusted & reliable provider of personal loans

In our review, Lending Works adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Lending Works is a registered credit provider in UK: FSA 723151

Customer Reviews & Testimonials

December 2019

Lending Works has made applying for a loan easier and enjoyable

Betty V
— England —

July 2019

I am so happy by how Lending Works staff conduct themselves

Angelo K
— Scotland —

Lending Works Contact

Physical Address

Opening Hours

  • Monday 08:00 – 18:00
  • Tuesday 08:00 – 18:00
  • Wednesday 08:00 – 18:00
  • Thursday 08:00 – 18:00
  • Friday 08:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed