Solutions

Unsecured Personal Loans

Power a revenue generating, responsible approach to lending

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Grow new revenue streams with fast, flexible lending experiences

Satisfy your customer’s goals immediately with credit solutions that break the cost into affordable repayments.

Powered by the UK’s leading balance sheet, market leading approval rates and proven credit risk expertise, we offer everything you need to lend responsibly.

Realise your customer's ambitions with trusted credit solutions

Your customers can choose the best loan structure and terms to fit their needs, whether it’s a home renovation, buying a car or any significant life event. We keep it fast and simple, throughout the application, from the best loan option at a competitive rate, to a fully digital and seamless journey.

Key features

Quick decisions with instant payout

Customers apply for a personal loan in minutes and loans can be approved within seconds. Once approved, funds can be instantly shared.

Real rates from a trusted provider

Our services are fair, personalised and fully transparent. Your customers know what they’re getting, from a brand they trust.

Frictionless and paperless

Our personal loans solution integrates into your digital journey, ensuring a frictionless experience in your own look and feel.

Extend your reach with aggregators

Seamlessly integrate our offering with any aggregator channels in your sector to reach a bigger audience.

Future flexibility

Tailor our personal loans solution to your customers’ needs. Use configurable rates to quickly evolve your position.

Business benefits

Grow new sources of revenue

Recognise upfront revenue for every loan generated through origination fees.

Evolve your brand’s relevance

Expand your market presence and attract a bigger customer base by widening your range of ancillary services.

Unlock future embedded finance opportunities

Integrate personal loans with our Instant Access Savings today, or extend your services with POS Lending.

Customer benefits

Achieve goals

No need to put those dreams on hold. Your customers can complete that important purchase today.

Increase confidence

Your customers can afford purchases sooner and make decisions more confidently.

Simple and frictionless experience

Our services are fair, personalised and fully transparent. Your customers know what they’re getting, from a brand they trust.

Making frictionless finance a reality

Pre-determine affordability

Customer uses the loan calculator to get an estimate of how much the loan will cost.

Eligibility criteria

Customer reviews the eligibility criteria before continuing on the application journey.

Review terms

Customer reviews documents underlining their credit agreement and confirms that they accept the terms.

Funds disbursed

With terms accepted, loan amount is disbursed and deposited in to your customer’s bank account in real time.

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Featured use cases

Unsecured personal loans have the ability to fit into a wide range of business models and customer journeys. Here are some examples:

Home goods & DIY

Many purchases are part of larger, life changing home improvement projects. Personal loans can enable customers to afford high-ticket purchases sooner and make decisions more confidently.

Insurance

Insurance firms can expand their existing financial services offerings by offering personal loans to both new and existing customers to cover unexpected events.

Grocery

Offering personal loans gives grocery brands the opportunity to provide new offerings and services through easy access to financial services to their everyday customers.

Why Boxed for Personal Loans?

Trusted

Powered by the balance sheet of NatWest, we can support your growth ambitions. Combining our market leading approval rates, proven credit risk and regulatory expertise, we offer everything you need to lend responsibly.

Fast

Our white-label solution enables you to go to market faster with your brand at the forefront. If you’re looking for something more tailored, we also offer an API solution that can be customised.

Complete

Our full-service provision extends into compliance, operational and logistical fulfilment for your customers, for complete control over the quality of experience.