More options. More sales.

We’re able to finance more items than anyone else, from £50 accessories to £25,000 purchases.

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Pay in 3

We finance everyday items to help customers buy more of the things that matter most.

  • Split small-ticket items into 3 interest-free payments
  • Finance from £50
  • No FCA regulation required
  • No early repayment fees
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Flexi Finance

Flexible finance for higher value baskets, tailored to you and your customers.

  • Interest-free and interest-bearing finance from £250 to £25,000
  • Payments terms from 6 to 60 months
  • No hard credit checks
  • No early repayment fees

Why we’re different

FeatureTraditional providersLending Works
  • Simple, small-ticket finance
  • Basket sizes from £50
  • Big-ticket finance
  • Interest-free and interest-bearing, from 6 to 60 months
Bespoke finance optionsneutralhappy
Software integrationsadhappy
Customer experiencesadhappy

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Outstanding customer experience

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Lender and developer

We’ve lent over £100m and we build our own platform. That means we’ve perfected the customer experience from beginning to end.

Caring, UK customer service

Our in-house customer service and underwriting team are always happy to help. We’re rated 9.7 out of 10 on Trustpilot.

Inspired by customer research

We test all our products with real shoppers to perfect an experience they’ll love.

“The Lending Works platform is the most customer-friendly application process we've found, both intuitive, quick and easy. We love the innovative finance options, no monthly fee and quick settlements”

Terry Healy, Portsmouth Golf Centre

A complete finance toolkit

We don’t just provide the most flexible products. We also give you complete training, documentation and compliance support.

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Our experts support you to ensure you’re compliant with consumer finance regulations.

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More than an integration guide, we’ll coach you and your staff on how to maximise sales with our retail finance products.

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From development to sales, we’ve documented everything you need to launch and grow retail finance.