The current loan system is a game of chance, a postcode lottery. That’s not fair. So we built our own proprietary technology.

Why? Open banking powered credit opens doors. With a view of accurate affordability data and real spending habits, Powered by Plend® allows you to unlock the best rates on the market.

Plend studies your bank account data to create a personal portrait of how you earn and spend money. We categorise your income, (salary, side hustles, transfers, benefits and pension drawdowns) your 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 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.

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.

EMPOWERING YOUR COMMUNITY WITH
 GAME-CHANGING FINANCE

Our embedded product allows our partners to offer affordable financing solutions to their customers with easy-to-use methods, such as API or click-out co-branded bespoke journeys. Get in touch with us at partnerships@plend.co.uk to explore!

Embedded Credit

Our embedded product allows our partners to offer affordable financing solutions to their customers with easy-to-use methods, such as API or click-out co-branded bespoke journeys. Get in touch with us at partnerships@plend.co.uk to explore!

Combatting the poverty premium

Plend powers interest-free loans for those in England, Scotland and Wales. We developed Social Credit, a Community Interest Company dedicated to ​​funding marginalised communities and promoting social mobility.

“The fairest loan provider I have ever known, paying back only what you borrowed is not only ethical, it is a life saver. With the cost of living, things are not easy at the moment.

I searched for a loan and I had replies from many lenders, but I felt so much anxiety when they told me their APR or the proposed monthly payment. Then Social Credit came along…not only did you save the day but you only wanted me to pay back what I borrowed from you. Thank you for helping me at my time of need!”
Social Credit Customer

cost-effective credit decisioning

Plend provides its technology to multiple charity lenders, enabling them to incorporate it within their credit decisioning process and extend loans to a broader range of individuals, who would usually be locked out of affordable credit, with confidence.

Plend provides its technology to multiple charity lenders, enabling them to incorporate it within their credit decisioning process and extend loans to a broader range of individuals, who would usually be locked out of affordable credit, with confidence.

“It has been a pleasure so far working with the team at Plend – they have been able to explain and present their technology in a way that has made this non-technical person feel confident about using it, and excited about the transformation it is going to bring to our lending process”
Purple Shoots

Helping homeowners go green

Plend provides its technology to multiple charity lenders, enabling them to incorporate it within their credit decisioning process and extend loans to a broader range of individuals, who would usually be locked out of affordable credit, with confidence.

“Through our partnership with Plend, we have been able to empower customers who couldn't otherwise afford it, to make a tangible difference to their homes and the environment. Plend's provision of affordable loans for green energy upgrades has been instrumental in enabling them to finance these crucial improvements. The successful collaboration between MakeMyHouseGreen and Plend exemplifies the positive impact that can be achieved when innovation and sustainability unite."
Llewellyn Kinch, Co-Founder, MakeMyHouseGreen

Projets

Projet n°01

Titre/01

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

Projet n°02

Titre/02

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

Projet n°03

Titre/03

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

Projet n°04

Titre/04

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

“The fairest loan provider I have ever known, paying back only what you borrowed is not only ethical, it is a life saver. With the cost of living, things are not easy at the moment.

I searched for a loan and I had replies from many lenders, but I felt so much anxiety when they told me their APR or the proposed monthly payment. Then Social Credit came along…not only did you save the day but you only wanted me to pay back what I borrowed from you. Thank you for helping me at my time of need!”
Social Credit Customer
Plend provides its technology to multiple charity lenders, enabling them to incorporate it within their credit decisioning process and extend loans to a broader range of individuals, who would usually be locked out of affordable credit, with confidence.

“It has been a pleasure so far working with the team at Plend – they have been able to explain and present their technology in a way that has made this non-technical person feel confident about using it, and excited about the transformation it is going to bring to our lending process”
Purple Shoots
“Through our partnership with Plend, we have been able to empower customers who couldn't otherwise afford it, to make a tangible difference to their homes and the environment. Plend's provision of affordable loans for green energy upgrades has been instrumental in enabling them to finance these crucial improvements. The successful collaboration between MakeMyHouseGreen and Plend exemplifies the positive impact that can be achieved when innovation and sustainability unite."
Llewellyn Kinch, Co-Founder, MakeMyHouseGreen
“Through our partnership with Plend, we have been able to empower customers who couldn't otherwise afford it, to make a tangible difference to their homes and the environment. Plend's provision of affordable loans for green energy upgrades has been instrumental in enabling them to finance these crucial improvements. The successful collaboration between MakeMyHouseGreen and Plend exemplifies the positive impact that can be achieved when innovation and sustainability unite."
Llewellyn Kinch, Co-Founder, MakeMyHouseGreen
We developed Social Credit, a Community Interest Company dedicated to ​​funding marginalised communities and promoting social mobility. The Interest Free Loan by Social Credit is a social initiative, powered by Plend. We’re operating this scheme on a not-for-profit basis with a focus on providing affordable credit to people across the UK that are traditionally locked out from accessing it.
Plend provides its technology to multiple charity lenders, enabling them to incorporate it within their credit decisioning process and extend loans to a broader range of individuals, who would usually be locked out of affordable credit, with confidence.

“It has been a pleasure so far working with the team at Plend – they have been able to explain and present their technology in a way that has made this non-technical person feel confident about using it, and excited about the transformation it is going to bring to our lending process” – Purple Shoots
“Through our partnership with Plend, we have been able to empower customers who couldn't otherwise afford it, to make a tangible difference to their homes and the environment. Plend's provision of affordable loans for green energy upgrades has been instrumental in enabling them to finance these crucial improvements. The successful collaboration between MakeMyHouseGreen and Plend exemplifies the positive impact that can be achieved when innovation and sustainability unite."
Llewellyn Kinch, Co-Founder, MakeMyHouseGreen
We developed Social Credit, a Community Interest Company dedicated to ​​funding marginalised communities and promoting social mobility. The Interest Free Loan by Social Credit is a social initiative, powered by Plend. We’re operating this scheme on a not-for-profit basis with a focus on providing affordable credit to people across the UK that are traditionally locked out from accessing it.
Plend provides its technology to multiple charity lenders, enabling them to incorporate it within their credit decisioning process and extend loans to a broader range of individuals, who would usually be locked out of affordable credit, with confidence.

“It has been a pleasure so far working with the team at Plend – they have been able to explain and present their technology in a way that has made this non-technical person feel confident about using it, and excited about the transformation it is going to bring to our lending process” – Purple Shoots

SEE WHAT OUR  CUSTOMERS SAY

03/03/23
Simple and great application…
Simple and great application process. Fast and efficient with a good percentage rate and affordable loan repayment.

Customer

27/03/23
Excellent Company
Breaking the mould on extortionate interest rates and giving people a chance. It’s a wonderful company with a firm moral compass. Customer service was great at every stage…

RLS

21/03/23
Great Company!
1. End to end process starting with the application to release was easy and fast! Totally recommended.
2. Customer support was great. He answered me directly with helpful information, and incredibly fast!…

Satisfied Customer

21/03/23
Credit score poor? Try PLEND!
Behind this company are human beings. Is not only a company who analyse your score. Them truly evaluate your whole situation. Also it was quickly. Amazing!!!. I feel now with piece of mind…

Veronica Renato

03/03/23
Fantastic Service!!
"Had a few financial difficulties recently. Plend have been so understanding regarding my payments to them. I want to commend Laura who I've been speaking too via email…"

Tom

03/03/23
Simple and great application…
Simple and great application process. Fast and efficient with a good percentage rate and affordable loan repayment

Customer

27/03/23
Excellent Company
Breaking the mould on extortionate interest rates and giving people a chance. It’s a wonderful company with a firm moral compass. Customer service was great at every stage…

RLS

21/03/23
Great Company!
1. End to end process starting with the application to release was easy and fast! Totally recommended.
2. Customer support was great. He answered me directly with helpful information, and incredibly fast!…

Satisfied Customer

21/03/23
Credit score poor? Try PLEND!
Behind this company are human beings. Is not only a company who analyse your score. Them truly evaluate your whole situation. Also it was quickly. Amazing!!!. I feel now with piece of mind…

Veronica Renato

03/03/23
Fantastic Service!!
"Had a few financial difficulties recently. Plend have been so understanding regarding my payments to them. I want to commend Laura who I've been speaking too via email…"

Tom

POWER YOUR COMMUNITY WITH PLEND

Powered by Plend® revolutionises the way businesses offer affordable finance. We leverage our open-data technology to offer game-changing solutions to businesses - allowing them to unlock their full potential
Security and fraud prevention
FCA authorised and regulated
Powered by AI and open banking
Unbeatable customer service
Market tailored data insights
Powered by AI & open banking
Tested on 1 million companies+ and 50,000 customer accounts
Developed by credit risk experts
Letting us lend longer term loans from £1,000 – £15,000 at 4-25% APR
Unlocking market-tailored data insights
Saving the average borrower £1,850 compared to existing solutions

WANT TO OFFER 
AFFORDABLE FINANCE

If you’ve got a high value product and you’re looking to offer finance to your customers who don’t want to pay in full, there’s a great chance you’ll be suitable for our B2B plug-in - giving consumers access to a sustainable Plend loan at point of sale.

We’re already a trusted partner of MakeMyHouseGreen, enabling more people across the UK to get the best green energy products for their homes.

PLEND HAS HELPED

PLEND PARTNERS

We’re taking no chances and working with best in class partners and investors to deliver a personalised solution that is tried, tested and ready to change the loan game, for good. Together we’re tackling financial exclusion across the UK.

PLEND PARTNERS

We’re taking no chances and working with best in class partners and investors to deliver a personalised solution that is tried, tested and ready to change the loan game, for good. Together we’re tackling financial exclusion across the UK.