Responsible lending

4finance believes in responsible lending without burdening people. This belief forms the basis of our robust underwriting process.


We communicate openly and transparently with our customers. All fees and interest payments are clearly explained upfront. There are no hidden fees or penalties.


We score and analyse data from both traditional and alternative sources, which means that we have the most up-to-date information we need to approve applications and underwrite loans to the highest standard. As part of this process, and as part of our commitment to responsibility, we access and share data with credit bureaus when required.


Privacy protection is a key priority for us. We use cutting edge encryption to keep our customers’ details safe.


4finance operates in a regulated industry. We continuously monitor the regulatory environment to ensure we are always compliant with the requirements of each jurisdiction.

In addition, we are a member of the relevant professional associations in virtually all of the countries in which we operate.