Loal exists to equip those poorly served by mainstream credit services to overcome short-term difficulties, build their credit profiles and enhance their financial literacy. Through the Loal app, we provide the tools to enable the financially excluded to level up and improve their financial wellbeing. We do this by disrupting the traditional credit scoring system and giving control back to consumers.
A revolution in consumer finance
Putting you in control
Make your data work for you
Loal uses the data you share in the app to unlock your true credit potential, build your credit profile and graduate to mainstream credit.
Harnessing mobile technologies
We're using the latest in mobile technology to create a fairer credit system for millions. We work with our customers through the Loal app to graduate the financially excluded to more sustainable, fairer credit solutions.
Levelling the playing field
Too many people are trapped paying too much for the credit they need. We think responsible financial citizens should be recognised and rewarded with access to the same services at the same affordable prices as everyone else.
All together now
Onwards and upwards
With a focus on increasing financial wellness and building financial resilience, Loal is moving the credit industry onwards and upwards in partnership with our customers. We're on this journey with you, every step of the way.
The new normal
A fairer way to score credit
Too much of our data is locked away by Credit Reference Agencies. Loal puts you in control of your credit profile by using alternative data sources to generate your personal Loal Trust Score – a clearer and more accurate picture of your creditworthiness.
Control your financial future
Putting the past behind you
We don't focus on your past credit mistakes or thin credit files. We focus on the future. Loal builds your credit profile and helps you live life on another level.