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FW
Personal loans · FCA-regulated
Fintway · the United Kingdom
Fintway used Open Banking intake to cut its underwriting decision time from 36 hours to 4 minutes.
4 min
to decision
−54%
abandonment
Auditable
Consumer Duty
+31%
loans funded
The challenge
Where Fintway started.
Fintway's underwriting depended on manually-uploaded payslips and bank statements. Decisions took 36 hours; abandonment rates were brutal.
What we did
How LoanHQ helped.
- Integrated Open Banking via TrueLayer for instant income verification.
- Built an FCA Consumer Duty checklist into the application flow.
- Automated affordability scoring with auditable evidence trail.
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