FCA PSD Agent Approved

Know what a lender sees
before you apply for anything

LendLens gives UK consumers a lender-view of their own finances — surfacing the same signals lenders use, in plain English, with a personalised action plan. Start with your credit card. Free.

Analyse your credit card for free →See how it works
No credit check
Statement never stored
Plain English, always
Free to start
62%
of UK adults don’t know their credit utilisation rate
£480
average annual interest paid on a typical credit card balance
3 min
to get your full card analysis and action plan
30%
utilisation threshold — the number lenders actually watch
How it works

Your card statement.
Decoded.

Upload once. Get the full picture. Come back monthly to track your progress.

1
Upload your statement
Download a PDF from your banking app and upload it. Any UK credit card provider works. Your statement is never stored — analysed and discarded immediately.
2
Get your lender view
We surface your APR breakdown, credit utilisation, interest cost, and exactly what a lender sees when they look at your card — in plain English, no jargon.
3
Follow your action plan
A personalised 30-day plan tells you exactly what to do, when, and what it saves. Specific numbers, not generic advice.
4
Track month by month
Your dashboard shows how your utilisation, interest cost, and lender profile change over time. Monthly reminders keep you on track.
Interest savings available
£1,890
by changing one payment habit
Utilisation
62%
Target
30%
Step 1 · This week
Pay £150 instead of the £37 minimum. Saves £1,890 and clears the balance 8 months sooner.
Step 2 · Today
Stop new spending on this card until utilisation drops below 30%.
What you get

Everything in one
card analysis

One upload. Five sections. A complete picture of your credit card's impact on your financial profile. Free for your first card.

Statement decoder
Every line of your statement explained in plain English — balances, charges, fees, and what they actually mean for you.
Free
APR breakdown
Purchase rate, cash advance rate, and penalty rate — explained with the actual monthly cost in pounds at your current balance.
Free
Interest calculator
Drag a slider to see exactly how much interest you’ll pay and when you’ll be debt-free — at minimum payment, your payment, or full balance.
Free
Lender exposure view
Your credit utilisation rate, what it signals to lenders, and the exact balance you need to reach to move from red to amber to green.
Free
30-day action plan
Three to five specific, numbered steps grounded in your actual numbers. What to do, when, and what it saves.
Free
Combined card exposure
Add a second card to see your total credit utilisation, which card to prioritise, and a unified action plan across all your cards.
£2.99 per extra card
Card Check tool

Free for your first card.
Results in seconds.

No open banking connection required. Download a PDF from your banking app and upload it. Your statement is analysed instantly and never stored.

Works with every UK credit card provider
PDF analysed and discarded — never stored
No credit check, no hard search
Monthly reminders to re-check your card
Dashboard to track month-on-month progress
Try it free — no card required →
LendLens
Free analysis
Your card analysis
Analysed 10 April 2026
£1,850
£37.00
15 Apr 2026
£38.42
62%

Pay £150 this month — saves £1,890 in interest and clears this card 8 months sooner than the minimum payment.

FCA PSD Agent
Approved payment services provider
SEIS / EIS
Approved for UK investors
FCA TechSprint
Financial Inclusion participant
Open Banking
Powered by regulated infrastructure
“

Every competitor either serves the consumer without real lender intelligence, or serves lenders without giving consumers any of that intelligence. LendLens closes that gap.

Tope Akande — Founder & CEO, LendLens
Where LendLens sits

Built for consumers.
Powered by lender intelligence.

The same intelligence that lenders use to evaluate you has always stayed on their side of the desk. LendLens puts it in your hands first —

📊
Credit reference agencies
Experian · ClearScore · Credit Karma
Show your credit score from bureau data. Free access. Good for checking your file and finding credit products.
They show you a number. They don't tell you what a lender sees when they look at your card statement — or exactly what to do about it. Revenue model: selling you credit products.
✔ LendLens
🔎
Lender-view intelligence — for consumers
LendLens
Analyses your actual credit card statement. Surfaces the signals lenders use — utilisation, APR cost, payment patterns — in plain English with a personalised action plan.

✨ Consumer-first. No conflict of interest. Revenue comes from the tool — not from selling you credit.

🏗
Credit builders
Loqbox · CreditLadder · Canopy · Wollit
Help people with thin credit files build a score by reporting rent, subscriptions, or savings as credit events.
Designed for credit invisibles starting from zero — not for people with existing cards who want to understand and improve their current position.
🔍
The lender-view framing
No other consumer tool shows you how a lender reads your credit card statement. Not a score — the actual signals: utilisation, APR cost, payment patterns, statement-level data.
🎯
Specific actions, not generic advice
ClearScore tells you your score is 487. LendLens tells you to pay £200 on your Barclaycard before the 15th — it saves £18 this month and moves your utilisation to 48%.
⚡
Statement intelligence, not bureau data
Bureau scores are historical and slow. LendLens works from your actual statement — the APR, the balance, the interest charged this month. Current, granular, and yours.
⚖
No conflict of interest
ClearScore and Credit Karma are free because they earn referral fees from lenders. LendLens earns from the tool — so our incentive is perfectly aligned with yours: improve your position.
📈
Month-on-month progress tracking
Run your analysis each month. Your dashboard shows your utilisation trending, your interest cost falling, your debt-free date getting closer. Competitors show you a score. We show you movement.
🏠
FCA-regulated, consumer-first
FCA PSD Agent approved, SEIS/EIS approved, and built with FCA Financial Inclusion TechSprint experience. We operate inside the regulatory framework — not around it.
The Lens Newsletter

Monthly credit insights.
No jargon.

The Lens is a free monthly newsletter that explains what's happening in credit, what it means for your finances, and what to do about it.

Plain-English explanations of rate changes and credit news
Monthly reminders to re-check your card statement
Practical tips on improving your lender profile
Early access to new LendLens features
Recent issues
01What your APR is really costing youMar 2026
00Why we built LendLensFeb 2026
Subscribe to The Lens
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See your card the way
a lender does.

Upload your first statement free. No credit check. No open banking connection. Just the truth about your card — in plain English.

Analyse your credit card for free →Sign in to dashboard