{"id":3720331,"date":"2026-05-10T18:58:44","date_gmt":"2026-05-10T22:58:44","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3720331"},"modified":"2026-05-10T18:58:44","modified_gmt":"2026-05-10T22:58:44","slug":"lendables-consumer-loan-surge-puts-it-ahead-of-uk-banks","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/loans\/2026\/lendables-consumer-loan-surge-puts-it-ahead-of-uk-banks\/","title":{"rendered":"Lendable&#8217;s Consumer Loan Surge Puts It Ahead of UK Banks\u00a0"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">British FinTech <\/span><a href=\"https:\/\/www.lendable.co.uk\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Lendable<\/span><\/a><span style=\"font-weight: 400;\"> is planning a U.S. expansion amid surging revenues.<\/span><\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" 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value=\"https:\/\/www.pymnts.com\/loans\/2026\/lendables-consumer-loan-surge-puts-it-ahead-of-uk-banks\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"221\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p><span style=\"font-weight: 400;\">That\u2019s according to a <\/span><a href=\"https:\/\/www.ft.com\/content\/82da8449-7672-4d9c-a0c3-bccfa90b5a2c?syn-25a6b1a6=1\"><span style=\"font-weight: 400;\">report<\/span><\/a><span style=\"font-weight: 400;\"> Sunday (May 10) from the Financial Times (FT), which noted that Lendable doubled profits last year by providing more new personal loans than any other bank in the U.K.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The company, which automates <\/span><a href=\"https:\/\/www.pymnts.com\/news\/artificial-intelligence\/2026\/how-ai-is-rewriting-credit-decisioning-in-real-time\/\"><span style=\"font-weight: 400;\">credit checks<\/span><\/a><span style=\"font-weight: 400;\"> using artificial intelligence, saw its profits jump 120% last year to $155 million, with revenues up 90% to $608 million.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">During 2025, Lendable issued more new consumer credit loans by volume than any other British lender \u2013 including trillion-dollar banking giants \u2013 and the second-largest number of new credit cards, the FT added, citing data from Experian.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThere are millions of people who use credit and most of that is done by big banks, and they do not do as good of a job as can be done,\u201d <\/span><a href=\"https:\/\/uk.linkedin.com\/in\/kissinger\"><span style=\"font-weight: 400;\">Martin Kissinger<\/span><\/a><span style=\"font-weight: 400;\">, co-founder of Lendable, told FT.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cSo we set out to build a tech company that would do it better.\u201d<\/span><\/p><div id=\"pymnt-2769356373\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p><span style=\"font-weight: 400;\">Kissinger said the company\u2019s machine-learning technology draws on a large pool of data, which lets it gauge risk differently to traditional lenders and thus offer more competitive terms to a larger group of customers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWe can provide loans to people who are actually low risk, even if that is not to other [banks and providers].\u201d Lendable provides most of its loans to prime customers along with those in the <\/span><a href=\"https:\/\/www.pymnts.com\/consumer-finance\/2023\/secondary-promotions-can-help-merchants-close-or-save-the-sale-for-near-prime-consumers\/\"><span style=\"font-weight: 400;\">\u201cnear prime\u201d<\/span><\/a><span style=\"font-weight: 400;\"> category, who are often turned down by traditional banks.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kissinger told FT he was once part of this demographic. While in his twenties, he moved frequently and hadn\u2019t established a solid history of utility bill payments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The report added that Lendable will use its profits to rapidly bolster its small U.S. operation, which was first established in 2021, while also launching in Mexico.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lendable\u2019s U.S. expansion comes as Americans are <\/span><a href=\"https:\/\/www.pymnts.com\/consumer-finance\/2026\/credit-cards-fuel-fastest-revolving-debt-growth-since-2022\/\"><span style=\"font-weight: 400;\">depending more heavily<\/span><\/a><span style=\"font-weight: 400;\"> on credit cards for everyday expenses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">New Federal Reserve data showed <\/span><a href=\"https:\/\/www.pymnts.com\/tag\/consumer-credit\/\"><span style=\"font-weight: 400;\">consumer credit<\/span><\/a><span style=\"font-weight: 400;\"> increased at a seasonally adjusted annual rate of 5.8% in March, up sharply from February\u2019s 2.1% pace. For the first quarter, consumer credit grew at an annualized rate of 3.2%, with revolving credit, which includes credit cards, serving as the chief driver of the increase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cThe broader picture suggests consumers have not retreated from spending, but the composition of that spending may be changing,\u201d PYMNTS wrote, citing data showing that many households use credit not for major aspirational purchases, but to cover routine financial management and <\/span><a href=\"https:\/\/www.pymnts.com\/study_posts\/credits-new-reality-seven-numbers-reshaping-the-card-economy\/\"><span style=\"font-weight: 400;\">essential spending<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 1;\r\n\twindow.pymntsPostID = 3720331;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>British FinTech Lendable is planning a U.S. expansion amid surging revenues. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our daily newsletter, PYMNTS Today. By completing this form, you agree to receive marketing communications from PYMNTS [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3720589,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","pymnts_footnotes":""},"categories":[19848],"tags":[7768,10917,7617,51245,9206,15742,133069,5299],"class_list":["post-3720331","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans","tag-consumer-credit","tag-consumer-loans","tag-fintech","tag-lendable","tag-news","tag-personal-loans","tag-pymnts-news","tag-whats-hot"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Lendable&#039;s Consumer Loan Surge Puts It Ahead of UK Banks\u00a0<\/title>\n<meta name=\"description\" content=\"British FinTech Lendable is planning a U.S. expansion as profits doubled by providing more new personal loans than any other bank in the U.K.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pymnts.com\/loans\/2026\/lendables-consumer-loan-surge-puts-it-ahead-of-uk-banks\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lendable&#039;s Consumer Loan Surge Puts It Ahead of UK Banks\u00a0 | PYMNTS.com\" \/>\n<meta property=\"og:description\" content=\"British FinTech Lendable is planning a U.S. expansion amid surging revenues. 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