Plend studies bank account data to create a personal portrait of how our customers earn and spend money. We categorise income, (salary, side hustles, transfers, benefits and pension drawdowns) spending, covering essentials such as rent, bills, groceries, childcare and petrol, as well as luxuries like outings, holidays, digital subscriptions, and emerging risks like crypto investments or buy-now, pay-later.

By examining earnings and spendings, we gain an up-to-date, thorough understanding of the amount our customers can borrow. Whether they’re young, new to the country, lacking an established credit history, or have faced challenges in repaying credit, we understand that their credit score may not always tell the whole story.

By examining your earnings and spendings, we gain an up-to-date, thorough understanding of the amount you can borrow. Whether you’re a young individual, new to the country, lacking an established credit history, or have faced challenges in repaying credit, we understand that your credit score may not always tell the whole story.

By examining your earnings and spendings, we gain an up-to-date, thorough understanding of the amount you can borrow. Whether you’re a young individual, new to the country, lacking an established credit history, or have faced challenges in repaying credit, we understand that your credit score may not always tell the whole story.

By examining your earnings and spendings, we gain an up-to-date, thorough understanding of the amount you can borrow. Whether you’re a young individual, new to the country, lacking an established credit history, or have faced challenges in repaying credit, we understand that your credit score may not always tell the whole story.

By examining your earnings and spendings, we gain an up-to-date, thorough understanding of the amount you can borrow. Whether you’re a young individual, new to the country, lacking an established credit history, or have faced challenges in repaying credit, we understand that your credit score may not always tell the whole story.

Our robust examination process ensures that we provide you with the fairest offer possible. Plus, our rigorous, bank-level identity checks are among the strongest in the market, meaning that we not only verify your identity, but also pinpoint the destination of the loan transfer. This process makes for an unbeatable level of security - combating fraud and complying with anti-money laundering protocols.