Consumer Lending.

Build bespoke lending products that tap into just what your customers need.

Unsecured consumer lending is easy on the Yobota platform. Our super flexible APIs can work with any data source, multiple programming languages and platforms. This enables you to design exactly the lending product your borrowers need, whether it's a fixed term loan, an overdraft, credit card lending or even a revolving credit facility which can be repaid and redrawn according to your bespoke financing rules.

Your customer, your call.

Our simple lending product builder allows you to automate as much of the journey as you like to achieve your desired customer experience and business risk appetite, defining currencies, terms, pricing models, and more.

Integrations with trusted third parties enable you to work with traditional CRA data, Open Banking, decisioning tools and CRM systems, giving you the power to truly customise your lending journey, for customers and colleagues alike.

But it's not all about that initial set up, our consumer lending platform gives you the freedom to adapt to the changing consumer credit market, from adjusting products with the click of a button, to introducing new lending products, and even building completely bespoke credit offerings for a niche customer base.

Real time data provides everything you need to meet your regulatory and compliance requirements, and give your customer everything they need to know. This ability to see a single view of the customer across all your lending products and brands also allows you to derive real insight from borrowers habits, and use it to ensure your products continue to offer what they need, when they need it.

Why is it so exciting?

This means that, not only can you take advantage of a stack of pre-existing, ready to go products, and get them to market in no time at all; but even if you have a really specific, niche offering in mind, the cost of entry to the marketplace is dramatically reduced. So an idea that might not have been worth pursuing before, suddenly is.

The implications for the customer are huge, because:

  • It’s much easier for new providers to enter the industry, forcing legacy banks to be more competitive
  • Enabling a really straightforward route to market for these companies with cool ideas for products that will genuinely help people do more with their money

Ready to get started? Get in touch with our team.

Book a call

Ready to get started? Get in touch with our team.

Book a call

All the tools you need.

Our distributions API ensures customers can access your product not only through your own platform or website, but also through unlimited aggregator and price comparison sites, with more than 1 million executable quotes a month and the option to make credit available in minutes.

We can also support the other tools your customers might need to make the right decisions for their specific credit situation, including repayment calculators which connect direct to the API for a single source of truth.

Whatever your offering, Yobota has the tools and expertise to make it happen, and get you to market faster.

Request more information

Whatever your offering, Yobota has the tools and expertise to make it happen, and get you to market faster.

Request more information

Latest news.

Banking as a Service…and a solution

At AltFi’s recent Lending Summit event, Yobota’s CEO, Ammar Akhtar, and Chetwood’s CEO, Andy Mielczarek, took part in a fireside chat to discuss the.…

Read article
8 min read

Latest News.

Buy Now Pay Later – A boost for business

It’s a massive topic in the financial industry right now, and we’ve already talked a bit about the ‘standard’ Buy Now Pay Later (BNPL) model, where consumers can access instant lending at point of sale to spread the cost of their purchases. This version pretty much does what it says on the tin, and is being adopted at an astounding rate, but there are still a lot of questions around how to make it safe and ethical for the customer and the industry.

Read Article
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4 mins read


How Yobota helped power the reinvention of the rental deposit market.

For the millions of tenants across the UK, the costs associated with renting a property can be sizeable. That’s before you even consider the significant upfront costs involved in settling tenancy deposits.

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