A direct lender that leans on open banking data to assess real affordability, rather than relying solely on a traditional credit score.
Oodle uses open banking (with the applicant's consent) to look directly at income and spending patterns, which can help applicants with a limited or imperfect credit history demonstrate genuine affordability rather than being judged on a credit score alone.
Buyers with a thin credit file, recent credit blips, or irregular self-employed income who can show healthy bank account activity even without a strong credit score.
| Minimum age | 18 |
| UK residency required | Yes, UK resident |
| Minimum income | Assessed via open banking / affordability check |
| Self-employed accepted | Yes |
| Credit check type | Soft search initially, hard search on completion |
Sample reviews shown for design purposes — replace with verified, sourced customer feedback before this page goes live.
Linked my bank account and got a decision in minutes. Much faster than I expected.
Good option after a couple of missed payments a few years back knocked my score.
