In a world where repayments are often complex, fragmented, and underserved by legacy systems, we believe it’s time for a product-led approach — one that starts with the real problems borrowers face, not just the solutions on offer.
The UK lending market is complex and for too long payment providers have underserved its needs. Lenders across prime, near-prime, and sub-prime sectors each face distinct challenges. Lending is a broad sector, and includes sub-verticals from personal loans, car finance and credit cards to newer products such as Buy Now, Pay Later.
That’s why we’ve released our UK Consumer Lending Payments Trends 2025 Report — a deep dive into how borrowers actually manage repayments, based on in-depth research with over 500 active borrowers. We wanted to go beyond the surface and understand the real stories behind the stats.
This report shares the findings of that research and takes a product-led view of collections, highlighting opportunities to optimise strategies across different lending segments with their respective consumer journeys. Our goal as a payments agnostic specialist in recurring payments is to help lenders move faster, engage borrowers more effectively, and ultimately, improve repayment outcomes.
Here’s a sneak peek at what we uncovered:
- Missed payments often reflect timing issues, not genuine financial hardship.
- Borrowers are juggling multiple lenders and expect frictionless, flexible repayment journeys.
- There’s a surprising gap between what borrowers say they prefer and what actually drives repayment success.
These insights aren’t just interesting – they’re shaping the products and tools we’re building at Acquired.com. From Sweeping and Commercial Variable Recurring Payments (cVRPs) for real-time, flexible repayments, to automated payment links that help borrowers resolve failed payments instantly, every solution we launch is mapped directly to a real user need identified through our research.
Our involvement in industry initiatives, such as the rollout of cVRPs, and our commitment to offering relevant recurring payment methods means we’re uniquely placed to help lenders adapt to the rapidly changing payments landscape.
Curious about what’s next for lending payments?
The full report is packed with actionable insights and practical strategies for lenders looking to modernise collections, improve borrower outcomes, and stay ahead of regulatory change.
Download the UK Consumer Lending Payments Trends 2025 Report here and discover how Acquired.com is turning insight into innovation—helping lenders deliver the seamless repayment experiences today’s borrowers expect.
Ready to transform your repayment journeys? Get in touch with our team to see how our latest solutions can help your business thrive.
