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About Lending Works

Lending Works is a peer-to-peer lending platform which matches shrewd lenders with creditworthy personal loan borrowers, so both receive a much better deal. By cutting out the large financial institution in the middle, lenders receive great returns and borrowers receive low cost, flexible personal loans. There are no banks, no big bonuses and no sneaky fees.

Lending Works Headquarter Location

60 Gray's Inn Road

London, England, WC1X 8AQ,

United Kingdom

020 7096 8512

Latest Lending Works News

Lending Works taps Experian to enhance credit framework

Oct 18, 2021

External | what does this mean? This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. Lending Works taps Experian to enhance credit framework 46 minutes ago Source: Lending Works Lending Works, the UK’s leading embedded lending platform, has today announced a new multi-year partnership with Experian, the global information services provider. The deal will provide Lending Works with access to Experian’s credit and affordability data to help underpin its credit decisioning engine and fraud prevention strategies. Experian’s Trended Data solution will help Lending Works understand whether consumers are on an upwards or downwards trajectory in their capacity to afford credit. Lending Works will also use Experian’s Affordability IQ service to identify if a customer has experienced a recent reduction in or loss of income as a result of the pandemic. Access to this data will help Lending Works to understand a customer’s affordability. It will also help Lending Works to proactively manage its customers’ financial wellbeing, ensuring they are treated fairly and responsibly throughout the life of a loan. The partnership will allow Lending Works to accelerate its growth whilst maintaining high credit standards. Ines Maia, Chief Revenue Officer of Lending Works, said: “Understanding and assessing affordability is critical in the current environment. Experian’s in-depth and granular insight is the most predictive available, and we expect the quality to continue to improve as it expands traditional and new data sets.” Paul Speirs, Managing Director of Digital Consumer Information at Experian, said: “The uncertain economic environment means it’s essential for lenders to have the most up-to-date and accurate insights available to make the highest quality lending decisions and protect customers. “As Lending Works’ primary bureau of choice, we will help them to understand which consumers are on an upward trajectory and in a better position to take on finance than a static credit score would suggest. “The sensitivity that our income shock data offers will provide Lending Works the insight to proactively manage customers and safeguard them. We continue to seek new, growth-hungry partners in the fintech sector and improve their customer insight using a combination of bureau and Open Banking data to broaden the range of options available to people.” Related Companies

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Expert Collections containing Lending Works

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Lending Works is included in 2 Expert Collections, including Digital Lending.


Digital Lending

1,148 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



4,558 items

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