Rating based on 17 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 May 11, 2020]

About Lending Works

The Lending Works was born out of the realisation that all consumers want a fair lending service that offers convenience and efficiency.

Connecting people directly via the internet has transformed the lending industry and co-founders Nick and Matt has brought the same innovation to Lending Works.

Talented team drives our business

Launched in January 2014 from a little office in Farringdon, London with a talented team to drive Lending Works forward, consumers will find the best personal loan packages available. Our team continues to grow rapidly but our focus has never shifted as we remain dedicated to 'pioneering fair financial services that people love'.

Our mission

Putting fair first and constantly innovating to offer the best possible user experience is our core mission and we back this with honesty and transparency. All our customers love using Lending Works and trust the services that we offer; you too, should give us a try.

Our values

  • Own Mondays
  • Think win/win/win
  • Be the spark
  • Make it yours
  • Seek light bulb moments

Lending Works Services

Lending Works offer personal loans to individuals, which can be used for a number of purposes.

Fair, transparent, honest lender

Lending Works, unlike old fashioned financial services companies, do not focus exclusively on profits; we focus on being fair, transparent and honest. We are proud of the way we treat our customers and we aim to set a new standard in financial services.

Why take out a personal loan with us?

  • RELIABLE lender
  • STRAIGHTFORWARD with no hidden small print or costs
  • SIMPLE application and processing
  • LOW-COST, fixed rate personal loans
  • QUICK personal loans
  • 48 HOURS from application to payout
  • RECOMMENDED personal loan provider
  • MULTI-AWARD winning, 5-star customer service
  • FLEXIBLE lender with flexible terms
  • OVERPAY or settle early, any time, at no extra cost
  • SIMPLE online application

Personal loan purposes

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

Lending Works Product Details

  • 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

  • Fixed-rate personal loans
  • Wait 48 hours for the application to payout
  • You can overpay at no extra cost

Why are we a preferred lender in the UK?

Visit our website to get a personalised quote in just two minutes and the quote request will not impact your credit score.

Applying is fast and easy and we have been rated "Excellent" on Trustpilot.

Personalised quote in two minutes

The interest rate on your loan depends on your personal circumstances, the loan amount and the repayment term and we will confirm your rate when you receive your personalised quote.

Loans with a difference

If you are looking to buy a car, improve your home, pay for a wedding or simply take control of your finances, we have a flexible, low-cost personal loan that could make all of that a reality.

Great interest rates and early repayment

By cutting out the bank, we are able to offer competitive rates as you borrow money from real people. Applying takes just a couple of minutes and you could receive your personal loan within one working day. What’s more is that you can also pay off your loan early anytime, and at no extra cost.

The application process

  • 1. Get a personalised quote in two minutes
    Visit our website to get a personalised quote in as little as two minutes.
  • 2. Finish your application in 30 seconds
    We need a further 30 seconds to finish your loan application. We are all about saving you time and so our processes are fast and convenient.
  • 3. Verify your application
    Next, we will verify your application and all the information you have provided.
  • 4. After 24 hours you will receive your funds
    It will take 24 hours for you to receive your loan.
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 the UK; FCA number 723151

Customer Reviews & Testimonials

Very simple online application and they keep their promise of when the money will be paid out.
The repayment terms are fair and the interest rate not too high.

Mina L
— Galway —

It is easy to see why they are award winners.
Fantastic customer service, low fees, flexible payments and no mountains of paperwork needed to get the funds I needed!

Mathias B
— Dumfries —

When I needed a bit more cash to finish off home renovations a friend recommended I try Lending Works.
I'm glad I did!

Freddie L
— Blackpool —

Lending Works Contact Details

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