Lender Details

Barclays Bank UK PLC is the ring-fenced UK retail and business banking subsidiary of Barclays PLC, incorporated in 2015 as part of ring-fenc...

HSBC UK Bank plc is the ring-fenced UK retail and commercial banking subsidiary of HSBC Holdings plc, incorporated in 2015 and headquartered...

Lloyds Bank plc is one of the UK's oldest and largest retail banks, incorporated in 1865. It is the principal retail banking subsidiary of L...

National Westminster Bank Plc (NatWest) is one of the UK's largest retail banks and the principal banking subsidiary of NatWest Group plc (f...

Santander UK plc is a major UK retail and commercial bank. In April 2026 it completed its £2.65bn acquisition of TSB Banking Group plc from ...

Nationwide Building Society is the world's largest building society and the UK's second largest mortgage lender. It is a mutual organisation...

TSB Bank plc is a UK retail bank registered in Scotland. Previously owned by Banco Sabadell S.A. (Spain). On 30 April 2026, Santander UK plc...

Virgin Money UK PLC was formed by the combination of CYBG plc (Clydesdale Bank, Yorkshire Bank) with Virgin Money Holdings in 2018. Nationwi...

Metro Bank PLC is a UK challenger bank founded in 2010 as the first new high-street bank in the UK in over 100 years. Known for extended ope...

The Co-operative Bank p.l.c. is a UK retail bank with a long-standing ethical banking policy, founded in 1872 as an offshoot of the Co-opera...

Monzo Bank Ltd is a UK digital challenger bank founded in 2015, fully licensed by the PRA and FCA. It operates entirely through its mobile a...

Starling Bank Ltd is a UK digital challenger bank founded in 2014 by Anne Boden, fully licensed in 2016. Headquartered in London. The first ...

Revolut Ltd is a UK-founded global fintech company. After a prolonged application process, Revolut Bank UK Ltd received its full UK banking ...

JPMorgan Chase Bank N.A. is the principal banking subsidiary of JPMorgan Chase & Co. (the world's largest bank by market capitalisation). It...

first direct is a telephone and digital banking brand operating as a trading name of HSBC UK Bank plc. Launched in 1989, it was the UK's fir...

Marks and Spencer Financial Services plc, trading as M&S Bank, is a retail bank and financial services provider operating under the M&S bran...

Tesco Personal Finance plc was established in 1997 as a joint venture between Tesco and Royal Bank of Scotland before becoming wholly owned ...

Sainsbury's Bank plc was a UK retail bank offering credit cards, loans, savings and insurance. In May 2025, its credit card, personal loan a...

Halifax is a trading division of Bank of Scotland plc, operating within Lloyds Banking Group. Originally a building society founded in 1853 ...

Bank of Scotland plc is a Scottish bank incorporated in 2007 following the HBOS/Lloyds Banking Group restructuring, and is the legal entity ...

NatWest Markets Plc is the investment banking and markets arm of NatWest Group. It was formerly known as The Royal Bank of Scotland Public L...

Ulster Bank Limited was a retail and commercial bank operating primarily in Northern Ireland and the Republic of Ireland. As part of NatWest...

Capital One (Europe) plc is the UK and European subsidiary of Capital One Financial Corporation, one of the largest US credit card issuers. ...

NewDay Ltd is a British specialist consumer credit company headquartered in London, serving approximately 5.9 million customers. It operates...

Vanquis Bank Limited is a specialist UK bank focused on providing credit products to customers with limited or impaired credit histories. It...

American Express Services Europe Limited is the UK-incorporated subsidiary of American Express Company (USA), responsible for issuing a wide...

MBNA Limited is a UK credit card specialist incorporated in 1993, originally a subsidiary of MBNA America (itself acquired by Bank of Americ...

Creation Financial Services Limited is a UK consumer finance company and subsidiary of BNP Paribas Personal Finance, itself a wholly-owned s...

Ikano Bank AB (publ) is a Swedish bank founded by the Kamprad family (founders of IKEA), operating a UK branch from Nottingham. In the UK, i...

Zopa Bank Limited is a UK digital bank which began in 2005 as the world's first peer-to-peer lending platform before obtaining a full bankin...

Black Horse is one of the UK's largest motor finance lenders, operating as a wholly-owned subsidiary of Lloyds Banking Group. It provides co...

MotoNovo Finance is the trading name of a motor finance division of FirstRand Bank Ltd (UK branch), providing dealer-introduced motor financ...

Close Brothers Motor Finance is a trading style of Close Brothers Limited, providing motor finance through dealer networks across the UK. Cl...

Santander Consumer (UK) plc is the motor and consumer finance arm of Santander in the UK, providing dealer-introduced motor finance. It is s...

Moneybarn specialises in providing vehicle finance to customers with poor or adverse credit histories. It operates as a direct lender and is...

Oodle Car Finance is a direct-to-consumer used car finance platform headquartered in Manchester. It operates an online marketplace model con...

Startline Motor Finance is a Glasgow-based non-prime/near-prime motor finance lender providing dealer-introduced finance. It targets custome...

BMW Financial Services (GB) Limited provides automotive finance and insurance products for BMW, MINI and other brands in the UK. ALPHERA is ...

VWFS (UK) Ltd is the captive finance arm of the Volkswagen Group in the UK, providing finance and insurance products across VW, Audi, SEAT, ...

Toyota Financial Services (UK) PLC is the captive finance company for Toyota and Lexus vehicles in the UK, providing dealer-introduced finan...

Klarna is a Swedish fintech providing BNPL and payment services globally. In the UK, Klarna Financial Services UK Limited holds FCA authoris...

Clearpay is the UK trading name of Afterpay, the BNPL brand owned by Block, Inc. It offers interest-free instalment payments split into four...

DivideBuy is a UK BNPL and retail finance provider focused on interest-free credit for higher-value retail purchases. Deko and Newpay are re...

V12 Retail Finance is one of the UK's leading retail finance providers, offering point-of-sale finance products (interest-free and interest-...

Mitsubishi HC Capital UK PLC trades as Novuna and is a major UK financial services group. It was formerly Hitachi Capital (UK) PLC, rebrandi...

Omni Capital Retail Finance provides retail point-of-sale finance solutions to specialist and independent retailers across the UK, covering ...

Snap Finance UK is a retail instalment finance provider targeting customers who may not qualify for mainstream credit. It offers high-approv...

Lowell is one of the UK's largest debt purchasers and collectors, acquiring consumer debt portfolios from banks, utilities, telecoms and ret...

Cabot Financial is one of the UK's largest debt purchasers and collectors, buying consumer debt from major UK lenders. Founded in 1998, it e...

PRA Group (UK) Limited is the UK subsidiary of PRA Group, Inc., a US-listed company and one of the largest global purchasers of consumer deb...

Arrow Global is a pan-European credit management and speciality finance business, purchasing and managing consumer and SME debt portfolios. ...

Intrum UK Finance Limited is the UK debt portfolio holding entity of Intrum AB, one of Europe's largest credit management companies. The ser...

Moorcroft Debt Recovery is one of the UK's longest-established debt collection agencies, collecting on behalf of creditors (rather than purc...

Capquest Debt Recovery is a UK debt purchaser and collector, acquiring and managing consumer debt portfolios. It is part of the Arrow Global...

Link Financial Outsourcing Limited is a well-established UK credit management and debt purchasing company, authorised by the FCA. It purchas...

Robinson Way Limited is a UK consumer debt collection agency. Previously a subsidiary of Hoist Finance AB, it became part of the Lowell Grou...

Wescot Credit Services Limited is a Scottish-registered debt collection agency collecting debts on behalf of creditors in utilities, telecom...

Zinc Group Limited is the second-largest privately owned debt collection agency in the UK, founded in 2008. It operates in both B2B and B2C ...

Credit Resource Solutions Limited (CRS) is a UK debt recovery agency based in Halifax, collecting outstanding debts on behalf of clients. It...

BPO Collections Limited is a Scottish-registered debt collection agency operating since 2006. It is one of eight agencies licensed by HMRC f...

Pastdue Credit Solutions Limited is a Glasgow-based debt collection agency collecting on behalf of banks, utilities, telecoms, and governmen...

Resolvecall Limited is a Scottish-registered debt collection agency incorporated in 1990. It collects debts on behalf of creditors rather th...

Advantis Credit Limited is a UK debt collection agency based in Stoke-on-Trent. It collects unpaid debts for government departments (includi...

Lantern Debt Recovery Services Limited was incorporated in 2008 as Motormile Finance UK Limited and rebranded as Lantern in 2018. It is a UK...

LFUK25 Limited was formerly known as Hoist Finance UK Limited. Lowell Financial Ltd acquired Hoist Finance UK from Hoist Finance AB (Sweden)...

Overdales Legal Limited is a specialist debt litigation law firm and part of the Lowell Group. Regulated by the Solicitors Regulation Author...

Mortimer Clarke Solicitors Limited is a specialist debt recovery law firm incorporated in 2007. It operates as an Alternative Business Struc...

Drydens Limited trades as Drydensfairfax Solicitors and is the in-house law firm for Arrow Global Group, handling legal escalation on Arrow ...

StepChange Debt Charity is the UK's largest free debt charity, formerly known as the Consumer Credit Counselling Service (CCCS). It provides...

PayPlan provides free debt management plans and other debt solutions. The FCA-authorised trading entity is Totemic Limited (FRN 681263). Pay...

MoneyPlus Group Limited (trading as MoneyPlus Advice) is a Salford-based fee-charging debt management company offering DMPs, IVAs, and other...

Gregory Pennington Limited is an FCA-authorised debt advice and solutions provider founded in September 1993. It is wholly owned by Financia...

Creditfix is one of the UK's largest personal insolvency practices, offering IVAs, DMPs, Scottish Trust Deeds, and bankruptcy solutions sinc...

Carrington Dean Group Limited is Scotland's largest independent debt solutions specialist and the first Scottish debt solutions company to b...

Financial Wellness Group Limited is a holding company with Companies House number 05254787. It is the 100% parent company of Gregory Penning...

The Debt Advisor Limited is a Manchester-based FCA-authorised debt advice company offering tailored debt advice and solutions to individuals...

The Money Advice Trust is a national charity (registered charity no. 1099506) that helps people across the UK tackle debt and manage money. ...

Citizens Advice is a national charity network providing free, confidential advice on debt, benefits, housing, employment, and consumer issue...

Blue Motor Finance Limited is a UK-based used vehicle finance lender operating exclusively through a nationwide network of approved brokers ...

Advantage Finance Limited is a near-prime and non-prime UK motor finance lender based in Grimsby, incorporated in May 1999. A wholly owned s...

Mercedes-Benz Financial Services UK Limited is the captive finance arm of Mercedes-Benz in the United Kingdom, providing automotive finance ...

Stellantis Financial Services UK Limited is the captive finance and insurance company for Stellantis brands in the UK, formed in April 2023 ...

RCI Financial Services Limited (trading commercially as Mobilize Financial Services UK since 2022) is the UK captive finance company for Ren...

FCE Bank PLC is a UK-incorporated public limited company and European banking subsidiary of Ford Motor Credit Company (a wholly owned subsid...

PSA Finance UK Limited was the former trading name of the legal entity now known as Stellantis Financial Services UK Limited (Companies Hous...

PayPal UK Ltd is the current FCA-authorised UK entity for PayPal's consumer-facing services following the November 2023 transfer from the Lu...

Laybuy was a New Zealand-founded BNPL provider that operated in the UK market. It was one of four firms subject to FCA contract term review ...

Tymit Ltd was an FCA-authorised lender operating an instalment credit card. In October 2024 Tymit announced it was dropping plans to launch ...

Specialist Lending Ltd, trading as Duologi, is an FCA-authorised lender providing white-label retail finance solutions for merchants. Duolog...

Deko is the UK's multi-lender retail finance credit brokerage platform, enabling online and in-store retailers to offer consumer finance fro...

JC International Acquisition LLC is a US-based debt purchaser authorised by the FCA to purchase and collect consumer debts in the UK. FCA au...

Asset Link Capital (No. 5) Limited (CH 07273996) is a dormant subsidiary company. Asset Link Capital is a trading name of Link Financial Out...

Opos Limited is a Scottish-registered FCA-authorised debt collection agency based in Dumbarton, West Dunbartonshire. Founded by Scott Hender...

Credit Style Limited is a Sheffield-based FCA-authorised debt collection agency. The company is a wholly-owned subsidiary of Credit Style Ho...

Zinc Group Ltd is an FCA-authorised debt collection agency based in Stratford-upon-Avon, incorporated 12 December 2008. The company collects...

Lowell Solicitors Limited was the in-house solicitors arm of the Lowell Group, providing litigation and debt recovery legal services to othe...

Intrum UK Limited is the UK subsidiary of Swedish debt management group Intrum AB. The company has operated in the UK since 1999, originally...

Inclusive Finance Limited, trading as Creditspring, is an FCA-authorised lender offering a novel subscription-based consumer credit model. I...

Oakbrook Finance Limited is an FCA-authorised personal lender founded in 2011, backed by Blenheim Chalcot. The company operates as a digital...

Lending Stream is a UK direct lender launched in 2008, operating as a trading name of the US-incorporated Gain Credit LLC. It provides six-m...

PDL Finance Limited is the FCA-authorised operator of the Mr Lender brand, a leading UK short-term consumer credit provider established in 2...

Everyday Lending Limited operated as Everyday Loans until March 2025, when it rebranded to Evlo. The company is a branch-based personal lend...

N Brown Group Limited (formerly N Brown Group PLC, delisted 2023) is one of the UK's largest digital clothing and home retailers operating u...

Very Group Financial Services Limited is the consumer credit arm of The Very Group, one of the UK's largest online retail and financial serv...

EOS Solutions UK Plc is the British subsidiary of EOS Group, one of Europe's largest debt management and receivables companies, headquartere...

Equita Limited is one of the UK's largest enforcement agencies, providing certificated bailiff and debt collection services to over 200 loca...

Shoosmiths LLP is a major UK full-service law firm with a leading consumer finance litigation and debt recoveries practice. The team operate...

Horwich Farrelly, trading as HF, is a major UK law firm originally founded in 1969 and now headquartered in Salford, Manchester. It rebrande...

Restons Solicitors Limited is a Warrington-based, technology-driven law firm specialising exclusively in debt recovery. Established over 30 ...

Howard Cohen & Co Solicitors was a Leeds-based debt recovery law firm. The SRA register records the firm as closing (SRA No. 607109). It was...

Fredrickson International Limited is a UK debt collection agency, part of the Lowell Group — one of Europe's largest credit management compa...

Allied International Credit (UK) Limited is a Glasgow-based debt collection agency, part of the Bill Gosling Outsourcing Group. It recovers ...

Reliable Collections Limited was the in-house collections team for N Brown Group PLC (owner of JD Williams, Jacamo, Simply Be). It was not a...

Mackenzie Hall was a Scottish-headquartered debt collection company founded in 2003 and acquired by PRA Group (Portfolio Recovery Associates...

iQor Recovery Services Limited was a UK debt collection agency operating out of Preston, Lancashire. The company rebranded as Akinika Debt R...

Pepper Money is a UK specialist mortgage and secured loan lender, focusing on customers with complex credit histories or non-standard income...

Together is a Cheshire-based specialist lender offering mortgages, bridging and secured loans for personal and commercial customers. Founded...

Shawbrook is a specialist UK bank serving SMEs, professional property investors and personal savers. It has a £10.5bn loan book and £10.9bn ...

Aldermore is a specialist bank founded in 2009, serving SMEs, property investors, homeowners and savers. It operates without branches, prima...

Hampshire Trust Bank (HTB) is a UK specialist bank founded in 1977, offering asset finance, property finance and savings products. It operat...

Amigo Loans was the UK's largest guarantor lender, offering unsecured personal loans backed by a creditworthy guarantor. Faced mass mis-sell...

Vanquis Banking Group is a specialist UK bank focused on underserved and credit-challenged consumers. Operates through three brands: Vanquis...

Evolution Money is a Manchester-based specialist lender offering secured loans to homeowners, particularly for debt consolidation and home i...

Morses Club was the UK's second largest home credit (doorstep lending) company, providing small cash loans collected weekly at customers' ho...

118 118 Money is the consumer lending trading name of Madison CF UK Limited, part of the kgb Group. It provides short-term, high-cost person...

Salary Finance Limited provides affordable loans and pay advances to employees through their employers, with repayments deducted at source f...

Fintern Ltd trades as Abound. Originally incorporated February 2020 as Fintern, rebranded to Abound in January 2023. Uses Open Banking trans...

Lendable Ltd is a UK direct personal loan lender incorporated 31 December 2013. It uses technology-driven credit decisioning to provide pers...

Fairscore Ltd (trading as Updraft) is a fintech lender incorporated 17 July 2017, authorised and regulated by the FCA (FRN 810923). Updraft ...

Pockit Limited provides a prepaid Mastercard and basic payment account to underserved customers, particularly those without standard bank ac...

Fair For You Enterprise CIC is a Community Interest Company (CIC) incorporated 28 September 2015. It trades as Fair for You and provides eth...

Funding Circle Ltd is the UK operating entity of Funding Circle Holdings PLC (LSE: FCH). Originally a peer-to-peer SME lending platform, the...

iwoca Ltd is a UK small business lender incorporated in 2011 (Companies House 07798925), providing fast, flexible lending to SMEs primarily ...

RateSetter was originally founded in 2010 as a peer-to-peer lending platform (legal entity: Retail Money Market Ltd). Metro Bank acquired it...

Bamboo Limited (trading as Bamboo Loans and Bamboo) is an FCA-authorised direct personal lender incorporated 21 November 2005. It offers uns...

Akinika Debt Recovery Limited (formerly iQor Recovery Services Ltd) was a consumer debt collection agency incorporated 30 January 1976 (comp...

Scotcall Limited was a Scottish consumer debt collection agency incorporated 19 November 2014 (company number SC491565), registered in Paisl...

C L Finance Limited (01108021) is an HSBC Group debt collections entity incorporated 12 April 1973, used to hold and pursue consumer debt po...

Experto Credite Limited (06022748) was a UK debt purchaser and collector incorporated 8 December 2006. The company entered Creditors Volunta...

Buchanan Clark and Wells Limited (SC223606) was a Glasgow-based debt collection agency established in 1983. In 2013 it was acquired by Arvat...

Marlin Financial Services Ltd was one of the UK's top four debt purchasers. In February 2014, Cabot Credit Management acquired Marlin from D...

Nationwide Debt Recovery Limited (01778238) was an independent debt collection agency, entirely separate from Nationwide Building Society. I...

Norton Finance and Mortgages Limited is an independent secured and unsecured loan broker founded in 1974 in Rotherham, South Yorkshire (not ...

Propel Holdings (UK) Limited trades as QuidMarket, an active HCSTC instalment lender offering short-term loans to UK consumers. FCA authoris...