Key facts
allthelenders presents a comparison-style list rather than a single match. The figures below describe the panel scope and ranking methodology, verified on 4 May 2026.
Bad-credit personal-loan panel covers £250 to £15,000 over 18 to 60 months. Short-term loan panel sits alongside under separate FCA price-cap rules. Results are ranked by total amount repayable to the borrower rather than by lender preference or commission rate. allthelenders publishes that no lender pays for higher placement. The site does not cover the whole UK lending market and the ranking applies only to lenders the firm has agreements with.
Operational strengths
Comparison-list interface gives the borrower control
Where most directory broker peers run a black-box matching algorithm and return one lender, allthelenders presents a list of lenders ranked side-by-side and lets the borrower pick. The mechanism is closer in feel to a price-comparison site than a typical loan broker. Borrowers see total amount repayable, term, monthly instalment and APR for each option before choosing where to apply. The transparency suits applicants who want to weigh trade-offs themselves rather than accept the algorithm's first answer.
Ranking by total cost rather than commission
allthelenders publishes that results are ranked by total amount repayable to the borrower, in ascending order. The firm states explicitly that no lender pays for higher placement. The position is unusual in the broker market and matters because the matching-algorithm models used by most peers are opaque on commission incentives. Borrowers concerned that broker matching might privilege higher-commission lenders over cheaper ones can use allthelenders' published methodology as a structural counterweight.
Long operational history
Warwick Financial Services has been running the allthelenders brand since 2012, predating the FCA's 2014 takeover of consumer credit regulation and the subsequent price cap. The firm has therefore operated through a complete cycle of regulatory change in the UK short-term sector. Long operational continuity in this market is unusual and signals an ability to adapt to changing rules without losing licence or trading status.
Specialist panel on bad-credit personal loans
Beyond short-term loans, allthelenders runs a separate panel of bad-credit personal loan providers covering £250 to £15,000 over 18 to 60 months. The product type is one a typical short-term broker does not handle. Borrowers needing a larger, longer-term loan but with adverse credit history can use the comparison interface to compare across multiple specialist lenders in a single visit rather than apply to several individually.
Material considerations
The site does not cover the whole UK lending market
allthelenders publishes that its panel does not represent the whole market. The comparison list ranks the lenders the firm has commercial agreements with, not every lender available in the UK. Borrowers using the comparison should treat the displayed rates as a representative sample of what is available rather than as a definitive lowest-rate guarantee. Cross-checking against a direct lender or a different broker before signing helps confirm the matched offer is genuinely competitive for the borrower's circumstances.
Each chosen lender still runs its own hard search
The comparison interface is informational. Once the borrower picks a lender from the displayed list, the application is forwarded and the chosen lender then performs a hard credit search before issuing an offer. Applying to several lenders from the comparison list in quick succession produces several hard footprints, the same outcome a borrower would get by applying to those lenders directly without the broker. The advantage of allthelenders is in surfacing options for comparison, not in eliminating the credit-file impact of multiple full applications.
Two domains can cause confusion
allthelenders operates from two URLs (allthelenders.org.uk and allthelenders.co.uk), with the comparison content sometimes presented differently across the two. Borrowers checking the firm's regulatory status should confirm both domains route to Warwick Financial Services under FCA reference 622839. The dual-domain structure is not unusual for long-running broker brands but can complicate verification for applicants checking the FCA register.
Commission-based revenue
Like all UK consumer credit brokers, allthelenders earns commission from the lender when a borrower successfully takes out a loan. The firm's published policy is that commission rates do not affect ranking, which is determined by total cost to the borrower. The position is the broker's stated practice rather than a regulatory guarantee. Borrowers who want strict independence should still cross-check the displayed offer against a direct application or another broker before committing.
Most appropriate & Least appropriate
The comparison-list model rewards borrowers who want to do the choosing themselves. It works less well for applicants who'd rather have an algorithm decide and just see one outcome. The two columns map the divide.
The right fit
- Borrower wants to compare lenders side-by-side before applying
- Total amount repayable matters more than algorithmic convenience
- Bad-credit personal loan over 18 to 60 months is the use case
- Independence from commission-driven matching algorithms is a priority
Look elsewhere
- Borrower wants a single soft search and one matched offer (use CashLady or Little Loans instead)
- Strong credit profile likely to qualify for high-street rates
- Need is for a single small short-term loan with same-day funding
- Borrower plans to apply to several listed lenders rather than just one
The application process
The allthelenders journey is structured around the comparison list rather than around a single matching algorithm. The flow runs across three distinct steps before any hard credit search occurs.
Loan parameters and eligibility check
The borrower enters the desired loan amount, repayment term and basic eligibility data. allthelenders runs a soft eligibility screen against its panel and presents the lenders the borrower is most likely to qualify with. The eligibility step does not affect the credit score and is reversible: borrowers can adjust amount or term to see how the displayed list changes.
Browse the ranked comparison
Eligible lenders are displayed in a list ranked by total amount repayable, ascending. Each entry shows the APR, monthly instalment, term and total cost for the requested loan parameters. The borrower can scroll through the list, compare entries side-by-side and read each lender's published terms before making a choice.
Click through to the chosen lender
Selecting a lender from the list redirects the borrower to that lender's website. The chosen lender then runs its own application flow, including a hard credit search, affordability assessment and credit agreement. Funding speeds and product features are determined by the chosen lender. Borrowers should review the agreement carefully before signing.
Three FCA authorised Lenders
worth considering.
Two matching-algorithm peer brokers and one direct lender give a practical comparison set for borrowers choosing between broker styles.
Matching-algorithm broker under Digitonomy authorisation. Single soft search returns one matched lender rather than a ranked list. Suits borrowers who want the algorithm to make the choice.
Sister brand to CashLady, also under Digitonomy authorisation. Same matching-algorithm approach and same panel scope. A second algorithm-based option for borrowers who want a single matched outcome.
Smaller-panel broker (~25 lenders) covering both unsecured short-term loans and a separate secured-loan panel. Higher panel mean APR than the Digitonomy brokers, reflecting a panel weighted toward higher-cost lenders.
Sources and verification
Panel structure, ranking methodology and operational details verified against allthelenders.co.uk on 4 May 2026.
Regulatory status verified on the FCA register under firm reference 622839 (Warwick Financial Services).
Swift Money Limited is itself a credit broker. Inclusion of allthelenders in this directory is purely informational and does not imply a commercial relationship between the two firms. We are authorised and regulated by the Financial Conduct Authority, FRN 738569.