Rating based on 17 reviews

Lending Works


  • Debt consolidation loans up to £25,000
  • Low-interest starting from 12.9%
  • Repayment up to 5 years

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Author Lending Works. Screenshot of Lending Works website. [Accessed September 5, 2019]

About Lending Works

Getting access to financial assistance shouldn’t be so difficult. Rather, everyone should be able to benefit from financial services.

This belief is exactly what Lending Works is built on. We’re a UK based financial services provider that believes in fairness, honesty and transparency.

We’re different

We do things a little differently. Instead of borrowing from us, we connect borrowers directly to willing lenders- people looking to invest their money - in a way that benefits both parties.

Because we cut out the middleman, aka the banks, this means that we are generally able to offer you better deals: investors can lend to sensible borrowers and borrowers can, in turn, get better rates on your loans. It’s a win-win.

Finding yourself in debt?

Credit cards, store cards and any other loans- having so many payments to make each month can prove to be a very demanding balancing act; but life happens and situations change. One minute you’re on top of things and the next- not so much. Unfortunately, this is when so many people sink deeper into debt. Without a clear plan to proceed, this can really spiral out of control.

Lending Works Services

When you are facing overwhelming debt, taking out a debt consolidation loan can help you to get back on top of things.

A debt consolidation loan allows you to merge your existing debts into a single, more manageable loan. This makes repaying your debts a lot simpler since you’ll only have one monthly repayment to make and your expenses can be reduced, helping you save money.

The painless online application process

Applying is quick- it can take only 48 hours for you to receive your money from the moment you submit your application. After receiving your free personalised loan quote (getting this quote will not affect your credit file), if you are happy with the offer, you can continue and complete your application.

Regain control over your finances

Lending Works offers these loans because we want to help individuals dealing with debt the opportunity to regain their financial confidence.

However, because this is a new loan on top of the ones you already have, we want to always make sure that this new loan won’t be a further burden to you, which is why we’ll only give you as much as you can afford. Once we’ve verified your application, your personal loan will be deposited into your account within one working day.

Lending Works Product Details

  • Loan Type Debt consolidation loans
  • Interest Rate from 12.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 5 years

Summary of Services

  • Fixed interest rates
  • No hidden fees
  • Flexible repayment terms

Drowning in debt? Take back control with Lending Works

We like to keep things straightforward and simple; you have no hidden small print to worry about. Everything will be communicated clearly to you in plain, easy to understand English.

Furthermore, when it comes to our loans, we keep them as low cost as possible and at fixed rates, which means that you will pay the same rate throughout the entire term of your loan. This is helpful to you because it allows you to easily calculate the total cost of your bad credit loan from the get-go.

You have more flexibility

You can choose to overpay or pay off your loan early at any time and we won’t charge you any fees. If you would like to change your monthly repayment date, simply change it via your account or call us and we will sort it out for you.

We value our customers

Our values of being fair, honest and transparent in everything that we do helps us to ensure that we always deliver the best possible service to our customers. It is this dedication that allows us to meet our customers’ needs while simultaneously setting a new standard within the financial services industry.

So wouldn’t you like to put your trust in people who continuously put you and your needs first? After all, we are not a5 star customer service and multi-award-winning company for nothing.

Driven to do better

We’re constantly working hard to improve on our services to you. Every day offers us a new opportunity to do a little better than the day before.

Therefore, innovation is a big part of who we are. Forget the rigid, outdated way of doing things. We’re all about the new and improved so that we can offer you only the best customer experience.

Customer Reviews & Testimonials

July 2019

I had a great experience. They matched me with a lender that was the best for my situation

Joseph J
— York —

January 2019

Their application was plain and simple and it made the whole process more understandable

Eric B
— London —

Lending Works Contact Details

Physical Address

  • 60 Grays Inn Rd, Holborn London England WC1X 8AQ United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:30
  • Tuesday 09:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 09:00 – 17:30
  • Friday 09:00 – 17:30
  • Saturday – Closed
  • Sunday – Closed