Consumer Lending · 5 active · 5 closed · Updated July 2026

    Consumer Lending Platforms in the UK

    Consumer lending platforms facilitate personal loans funded by individual and institutional investors. These peer-to-peer structures offer borrowers competitive rates and investors regular income streams.

    Showing 1–5 of 5 platforms

    Consumer Lending Platforms

    EdAid logo

    EdAid

    FCA

    EdAid Ltd (FRN 673376) is a directly FCA-authorised education finance technology firm administering interest-free instalment and income-based repayment plans between students, education providers and lenders.

    Assets
    Consumer Lending
    StructureDebt
    Min
    £100
    Funded
    N/A (not disclosed)
    Founded
    2016
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    Elfin Market logo

    Elfin Market

    FCA

    UK P2P consumer credit platform offering credit-line products positioned as a credit-card alternative.

    Assets
    Consumer Lending
    StructureDebt
    Min
    £100
    Funded
    £118M (cumulative lending, company-stated April 2026)
    Founded
    2016
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    JustUs logo

    JustUs

    FCA

    JustUs is a UK peer-to-peer lending platform operated as a trading style of eMoneyHub Ltd, directly authorised by the FCA (FRN 787900) since September 2017.

    Assets
    Real Estate·Consumer Lending
    StructureDebt
    Min
    £100
    Funded
    £32M
    Founded
    2013
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    Lendwise logo

    Lendwise

    FCA
    FRN 782496

    Lendwise Ltd is a UK peer-to-peer (marketplace) lending platform founded in 2018 that specialises in unsecured loans for postgraduate study, professional qualifications, MBA, SQE and bootcamp/training fees.

    Assets
    Consumer Lending
    StructureDebt
    Min
    £1,000 (account); £10 per loan part
    Funded
    ~£85M facilitated (May 2026)
    Founded
    2018
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    Plend logo

    Plend

    FCA

    Plend Limited (FRN 963328) is a directly FCA-authorised consumer credit lender founded in 2020, using Open Banking and a proprietary 'PLEND Score®' to underwrite personal loans for borrowers.

    Assets
    Consumer Lending
    StructureDebt
    Min
    N/A
    Funded
    £40M applications processed (Nov 2022, company-stated)
    Founded
    2020
    View profile

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