# Lendable

**Canonical:** https://apis.io/providers/lendable/  
**Website:** https://www.lendable.co.uk/  
**APIs profiled:** 0

Lendable Ltd is a UK consumer lending fintech founded in 2014 and headquartered in London, offering unsecured personal loans directly to borrowers through a fully digital application. The company underwrites with technology and data analytics rather than relying on a credit score alone, describing its approach as looking at all of an applicant's data together to produce a personalised quote in minutes without paper forms or branch visits. Lendable distributes through the major UK price-comparison platforms including ClearScore, Compare the Market, MoneySuperMarket, Experian, TotallyMoney, TransUnion and Go.Compare. It is authorised and regulated by the Financial Conduct Authority (FCA reference 720261, company number 08828186) and is a CIFAS member. Lendable publishes no public developer API or developer portal — its public technical surface is an RFC 9116 security.txt, an llms.txt, and a set of first-party open source PHP/Symfony engineering libraries on Packagist and GitHub.

## Kin Score — 14.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.2 from 13.2).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Lendable Domain Security** — TLSv1.3 · HSTS · DMARC
- **Lendable Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Financial-Services, Lending, Personal Loans, Consumer Credit, Fintech, United Kingdom

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lendable/). Scores are computed from the provider's own public artifacts under a published rubric.