About LendingWorks

UK-based lender, FCA authorised & FSCS protected
Personal loans, flexible terms, and competitive rates
Online application, no branches, fast decisions
Strong security, instant notifications, and account controls
Trustpilot 4.8★ (6K reviews, May 2025)
UK-based customer support, live chat and email

GoNoGo 100-Point Framework Breakdown

Regulatory Compliance 12

12/12

Fully FCA-authorised, FSCS protected. No major fines or sanctions reported in 2024–2025.

Customer Satisfaction 23

16/23

CSAT: 74% (Finder UK, 2025).
Reviews: Trustpilot 4.8★ (6K), Google 4.7★ (1.2K).
Sentiment: Praised for loan speed and clarity, but some complaints about approval criteria and lack of app.
Resolution: Ombudsman complaints in line with sector average.

Product Value 20

15/20

Competitive loan rates, flexible terms, no current account or savings. No monthly fees.

Innovation 12

6/12

Early digital lender, but no app or new product launches in 2025.

Security 9

9/9

Strong security, instant notifications, no major breaches since 2023.

Accessibility 9

6/9

Online only, no app, no branches. Accessible website, but limited for those who prefer in-person service.

Sustainability 5

2/5

No published ESG or green lending commitments.

Additional Features 10

4/10

No app, no rewards or perks, but clear documentation and helpful support.

Key Concerns

No mobile app or current account
No savings products or debit card
Approval criteria can be strict
No in-person service or branches
No green/ESG initiatives
Limited to personal loans only
Customer service not 24/7
No rewards or cashback

Key Features

Personal loans from £1,000–£25,000
Flexible repayment terms (1–5 years)
Instant notifications and strong security
UK-based support via chat and email
No hidden fees or early repayment charges
Fully online application and management

Product

Fee

Key Features

Personal Loan

£0

Rates from 7.2% APR, borrow £1,000–£25,000, terms 1–5 years

Recent Customer Feedback (May 2025)

POSITIVE Trustpilot, May 2025

"Very easy to use, great communication and quick payout. Would recommend LendingWorks to anyone looking for a personal loan."

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POSITIVE Google Reviews, May 2025

"Fast application and approval process. Everything was clear and transparent."

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NEUTRAL Trustpilot, May 2025

"The process was fine but I wish there was a mobile app to manage my loan."

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NEGATIVE Trustpilot, May 2025

"Strict approval criteria meant I was declined despite a good credit score."

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About LendingWorks

Key Strengths

Key Concerns

Key Features

Pricing & Limits

App Store Ratings

Recent Customer Feedback (May 2025)