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United Midwest Savings Bank
Columbus, United States
B
51-100 Employees
-
Key takeaway
United Midwest Savings Bank offers a range of consumer lending products designed to enhance purchasing power and provide a positive financing experience. With competitive rates and a commitment to financial education, the bank aims to meet diverse banking needs and support community development.
Reference
Core business
Consumer Lending | United Midwest Savings Bank
D+H
Old Toronto, Canada
A
1001-5000 Employees
1875
Key takeaway
Finastra provides a comprehensive portfolio of end-to-end consumer lending solutions, ensuring a seamless digital experience for borrowers. Their focus on enhancing customer onboarding and streamlining operations makes them a key player in the consumer lending market.
Reference
Product
Finastra Embedded Consumer Lending | Finastra
Lendful
Old Toronto, Canada
A
11-50 Employees
2015
Key takeaway
Lendful is an online consumer lending platform that offers personal loans to Canadians, providing a simple and reliable way to borrow for various needs like home improvement and debt consolidation. With a focus on responsible borrowers and no prepayment penalties, Lendful aims to provide better rate options for those with near-prime credit.
Reference
Core business
Lendful Financial Inc – Personal loans, made simple.
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Lendomatic
Copenhagen, Denmark
A
11-50 Employees
2016
Key takeaway
Lendomatic provides innovative consumer lending solutions, including microloans, installment loans, and credit lines, through rapid credit scoring and fully automated decision-making processes. Their advanced system for client data handling ensures quick and efficient access to credit for consumers.
Reference
Core business
Intelligent Lending Solutions - Lendomatic
Lendomatic offers consumer finance solutions through fast customer screening and fully automated credit decisioning processes. Utilizing the latest machine learning technologies and various API’s, customers can apply for and receive...
Everything Financial
Congleton, United Kingdom
A
11-50 Employees
2013
Key takeaway
The company is a credit broker focused on simplifying the borrowing process for consumers. They leverage data and technology to enhance the lending experience, offering personalized advice and a range of products, including personal and homeowner loans.
Reference
Core business
Everything Financial | Making borrowing simple
Open Lending
Austin, United States
B
51-100 Employees
2000
Key takeaway
Open Lending specializes in automated lending services for financial institutions, focusing on loan analytics, risk-based pricing, and risk modeling. Their AI-powered analysis enables more accurate pricing and a streamlined lending process, making transportation more affordable for consumers.
Reference
Core business
Automated Lending Platform | Open Lending | United States
Open Lending provides automated lending services to auto lenders. Open Lending specializes in loan analytics, risk-based pricing, and risk modeling.
PrivateLending
Lasne, Belgium
A
1-10 Employees
2016
Key takeaway
PrivateLending is a peer-to-peer lending platform that connects corporate borrowers with professional investors, highlighting its role as an alternative to traditional bank financing. This approach is particularly beneficial for mid-cap borrowers seeking to diversify their funding sources.
Reference
Core business
Welcome | PrivateLending
The professional marketplace for corporate loans.
Lendable
London, United Kingdom
A
101-250 Employees
2014
Key takeaway
Lendable simplifies consumer lending through its technology-driven platform, offering fast and seamless personal loans with instant decisions and same-day funds. They provide personalized rates and ensure that getting approved is a quick process, allowing customers to make informed decisions without impacting their credit scores.
Reference
Core business
About | Lendable
Personal Loans with Personalised Rates. Instant Decisions. Same-day Funds. Five star service. Get approved before you apply. Quotes don’t impact your credit score. Authorised and Regulated by the FCA.
Blackmoon Financial Group
Stupino, Russia
C
11-50 Employees
2015
Key takeaway
The company provides auto loans and car leasing options to consumers, highlighting its role in the consumer lending market.
Reference
Core business
Blackmoon
Community Capital Technology
New York, United States
B
11-50 Employees
2017
Key takeaway
CCT is focused on revolutionizing the consumer lending landscape through technology, creating a transparent and data-driven digital marketplace that connects credit investors with digital lenders. This approach facilitates affordable refinancing options for borrowers, particularly graduates looking to manage their student loans more effectively.
Reference
Core business
Community Capital
Technologies which have been searched by others and may be interesting for you:
Consumer lending refers to the process by which financial institutions provide loans to individuals for personal use. This type of lending covers various forms, including personal loans, auto loans, and credit cards. It allows consumers to finance purchases, consolidate debt, or cover unexpected expenses. The loans are typically unsecured, meaning they do not require collateral, and come with fixed or variable interest rates. Borrowers are assessed based on their creditworthiness, which influences the terms of the loan. Overall, consumer lending plays a significant role in supporting individual financial needs and boosting economic activity.
Consumer lending involves the provision of funds to individuals for personal use, typically through loans or credit. When a consumer applies for a loan, the lender evaluates their creditworthiness, which includes examining their credit score, income, and existing debt. This assessment helps determine the loan amount, interest rate, and repayment terms. Once approved, the consumer receives the funds, which can be used for various purposes such as purchasing a car, consolidating debt, or financing home improvements. Borrowers must repay the loan over a specified period, usually through monthly installments that include both principal and interest. Timely payments can positively impact the borrower's credit score, while missed payments can lead to penalties and damage to their financial reputation.
1. Access to Funds
Consumer lending allows individuals to access necessary funds for various purposes, such as purchasing a home, financing education, or covering unexpected expenses. This access helps improve financial flexibility and enhances overall quality of life.
2. Building Credit History
Engaging in consumer lending can help borrowers establish or improve their credit scores. Timely repayments contribute positively to credit history, which is crucial for securing future loans or mortgages at favorable rates.
1. Personal Loans
These are unsecured loans that individuals can use for various purposes, such as debt consolidation, emergency expenses, or major purchases. They typically have fixed interest rates and repayment terms.
2. Auto Loans
These loans are specifically for purchasing vehicles. They can be secured by the vehicle itself, often resulting in lower interest rates compared to unsecured loans.
3. Home Equity Loans
Home equity loans allow homeowners to borrow against the equity in their property. They are secured loans and can be used for home improvements, education expenses, or other significant needs.
4. Credit Cards
Although not traditional loans, credit cards provide a revolving line of credit that consumers can use for purchases. They often come with high-interest rates if balances are not paid in full.
5. Student Loans
These loans are designed to cover education-related expenses. They can be federal or private, and repayment terms vary significantly based on the lender and type of loan.
6. Payday Loans
Short-term, high-interest loans intended to cover urgent expenses until the borrower receives their next paycheck. These loans can lead to a cycle of debt if not managed carefully.
Several factors influence interest rates in consumer lending. One significant aspect is the borrower's credit score. A higher credit score typically results in lower interest rates, as it indicates a lower risk for lenders. Another important factor is the economic environment. In times of economic growth, interest rates may rise due to increased demand for loans, while in a recession, rates may decrease to encourage borrowing. Additionally, loan term length also plays a role; shorter terms usually have lower rates, while longer terms can lead to higher rates due to the increased risk over time.
Some interesting numbers and facts about your company results for Consumer Lending
| Country with most fitting companies | United Kingdom |
| Amount of fitting manufacturers | 5368 |
| Amount of suitable service providers | 6873 |
| Average amount of employees | 11-50 |
| Oldest suiting company | 1875 |
| Youngest suiting company | 2017 |
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Some interesting questions that has been asked about the results you have just received for Consumer Lending
What are related technologies to Consumer Lending?
Based on our calculations related technologies to Consumer Lending are Education, Engineering Services, IT & Technology Services, Healthcare Services, Consulting
Which industries are mostly working on Consumer Lending?
The most represented industries which are working in Consumer Lending are Finance and Insurance, Other, IT, Software and Services, Real Estate, Marketing Services
How does ensun find these Consumer Lending Companies?
ensun uses an advanced search and ranking system capable of sifting through millions of companies and hundreds of millions of products and services to identify suitable matches. This is achieved by leveraging cutting-edge technologies, including Artificial Intelligence.
