Adlib Loans Limited is a UK-based lender. We exist because borrowing money has somehow become harder to understand than it needs to be — and we think that's a solvable problem.
We believe a loan should be simple enough to explain in a single sentence: here's how much you'll pay, here's when it ends, and there's nothing in the fine print you'd object to.
Fixed rates from day one. No arrangement fee, no origination fee, no exit fee. One representative example that actually represents what most customers pay.
We don't lend to everyone. We don't offer the cheapest rate on the market. And we'd rather turn down a loan than approve one that puts someone in a worse position six months later.
If a clause needs a lawyer to explain it, we rewrite it. Every product page, email, and offer letter is written to be read — not skimmed and hoped over.
Every declined application is reviewed by a person before it's final. Our underwriters can see context — a career change, a one-off medical bill — that a scorecard can't.
We don't sell payment protection insurance, extended warranties, or any bolt-on we wouldn't recommend to a family member. If we don't believe in it, we don't offer it.
We'd rather say no to a loan than approve one we think will cause trouble. Our commercial targets are set with that in mind — no sales-based incentives for our team.
Two ex-bankers and one software engineer set up shop with a single product: a $5,000 personal loan with no fee.
Full consumer credit permissions approved. We launched the debt consolidation product in the same quarter.
After two years of building underwriting for small companies, we opened the business loan product. $12m lent in the first year.
Following sustained demand, our maximum loan grew from $25k to $100k — for both individuals and businesses.
Our team works from a converted warehouse in Ancoats, Manchester. It's not glamorous — the heating is temperamental and the coffee machine is overworked — but it's ours.
We're a hybrid team with three days a week in the office. It means our underwriters sit next to the engineers who build the tools they use. We think that shows in the product.
