# Top 42 Consumer Lending Startups Worldwide by Funding (2026)

> The 42 best-funded consumer lending startups worldwide, ranked by total funding raised: $3.0B combined.

Source: https://millionrounds.com/top-lists/consumer-lending-startups (Millionrounds; every figure on the page links to its filing or article)

- 1 [**ID Finance** ID Finance is a data-driven financial technology company based in Barcelona, Spain.](https://millionrounds.com/company/id-finance) ID Finance is a data-driven financial technology company based in Barcelona, Spain. *Founded* 2015 Barcelona, Spain **$684M** last round Oct 2026
- 2 [**Lendable** Lendable Ltd is a British fintech company based in London, specializing in digital consumer lending and personal finance solutions.](https://millionrounds.com/company/lendable) Lendable Ltd is a British fintech company based in London, specializing in digital consumer lending and personal finance solutions. *Founded* 2014 London, United Kingdom **$283M** last round Mar 2022
- 3 [**Chongqing Ant Consumer Finance** Chongqing Ant Consumer Finance operates as a consumer finance unit of ant group.](https://millionrounds.com/company/chongqing-ant-consumer-finance) Chongqing Ant Consumer Finance operates as a consumer finance unit of ant group. *Founded* 2021 China **$279M** last round Aug 2025
- 4 [**Kredivo Group** Kredivo Group offers digital financial services through its brands Kredivo, KrediFazz, and Krom.](https://millionrounds.com/company/kredivo-group) Kredivo Group offers digital financial services through its brands Kredivo, KrediFazz, and Krom. *Founded* 2015 Singapore, Singapore **$270M** last round Mar 2023
- 5 [**Mercury Financial** Mercury Financial is a financial services company that develops and manages credit cards and personal loans.](https://millionrounds.com/company/mercury-financial) Mercury Financial is a financial services company that develops and manages credit cards and personal loans. *Founded* 2014 Atlanta, United States **$200M** last round Jul 2023
- 6 [**Auxmoney** auxmoney is a leading digital-lending platform for consumer credit in Europe.](https://millionrounds.com/company/auxmoney) auxmoney is a leading digital-lending platform for consumer credit in Europe. *Founded* 2007 Düsseldorf, Germany **$198M** last round Oct 2015
- 7 [**Oakbrook Finance** Oakbrook Finance is a financial service provider that specializes in consumer lending, advanced analytics and technology solutions.](https://millionrounds.com/company/oakbrook-finance) Oakbrook Finance is a financial service provider that specializes in consumer lending, advanced analytics and technology solutions. *Founded* 2011 Nottingham, United Kingdom **$191M** last round Jul 2022
- 8 [**Braviant Holdings** A leading provider of tech-enabled credit products and services for underbanked consumers](https://millionrounds.com/company/braviant-holdings) A leading provider of tech-enabled credit products and services for underbanked consumers *Founded* 2014 Chicago, United States **$150M** last round Apr 2026
- 9 [**Snapmint** Snapmint facilitates simplified, fairly-priced and hassle-free EMI options without a Credit Card.](https://millionrounds.com/company/snapmint) Snapmint facilitates simplified, fairly-priced and hassle-free EMI options without a Credit Card. *Founded* 2015 India **$148M** last round Oct 2025
- 10 [**Open Co (Brazil)** Alternative Online Lending, FinTech, online credit, Personal financial management](https://millionrounds.com/company/open-co-brazil) Alternative Online Lending, FinTech, online credit, Personal financial management *Founded* 2021 Sao Paulo, Brazil **$115M** last round Dec 2021
- 11 [**Digitt** Digitt creates equitable financial tools to combat predatory lending.](https://millionrounds.com/company/digitt) Digitt creates equitable financial tools to combat predatory lending. *Founded* 2018 Guadalajara, Mexico **$60M** last round Jun 2026
- 12 [**Credicuotas** Credicuotas is Argentina's first fintech lending company, offering 100% online personal and consumer loans since its commercial launch in 2012.](https://millionrounds.com/company/credicuotas) Credicuotas is Argentina's first fintech lending company, offering 100% online personal and consumer loans since its commercial launch in 2012. *Founded* 2013 Buenos Aires, Argentina **$51M** last round May 2025
- 13 [**Finance of America Companies** Finance of America Companies is a consumer lending company that offers lending products and services.](https://millionrounds.com/company/finance-of-america-companies) Finance of America Companies is a consumer lending company that offers lending products and services. *Founded* 2013 New York, United States **$50M** last round Dec 2025
- 14 [**CrediSmart** CrediSmart offers microloans and smartphone financing via the Crediminuto app and partner stores, with stated APRs and app payments.](https://millionrounds.com/company/credismart) CrediSmart offers microloans and smartphone financing via the Crediminuto app and partner stores, with stated APRs and app payments. *Founded* - Bogotá, Colombia **$48M** last round Apr 2026
- 15 [**KrazyBee** KrazyBee is a non-banking financial institution that provides digital credit and lending solutions.](https://millionrounds.com/company/krazybee) KrazyBee is a non-banking financial institution that provides digital credit and lending solutions. *Founded* 2016 Bengaluru, India **$46M** last round Jun 2024
- 16 [**Plend** Plend is building a better way to borrow where consumers are no longer held back by credit history.](https://millionrounds.com/company/plend) Plend is building a better way to borrow where consumers are no longer held back by credit history. *Founded* 2020 London, United Kingdom **$28M** last round Jul 2026
- 17 [**Nous** Nous provides strategy, credit structuring, consumer lending and implementation services for Financial Institutions, Banks and Fintech](https://millionrounds.com/company/nous) Nous provides strategy, credit structuring, consumer lending and implementation services for Financial Institutions, Banks and Fintech *Founded* 2016 United Kingdom **$26M** last round Oct 2026
- 18 [**Kueski** Kueski is Mexico’s largest Buy-Now-Pay-Later (BNPL) and online consumer lending platform, founded in 2012 in Guadalajara.](https://millionrounds.com/company/kueski) Kueski is Mexico’s largest Buy-Now-Pay-Later (BNPL) and online consumer lending platform, founded in 2012 in Guadalajara. *Founded* 2012 Guadalajara, Mexico **$25M** last round Oct 2022
- 19 [**Kastle** Kastle is an applied AI company based in San Francisco, founded in 2024.](https://millionrounds.com/company/kastle) Kastle is an applied AI company based in San Francisco, founded in 2024. *Founded* 2024 San Francisco, United States **$24M** last round Sept 2026
- 20 [**VIPe** We are building the future of financial health, starting with the ones who need it the most.](https://millionrounds.com/company/vipe) We are building the future of financial health, starting with the ones who need it the most. *Founded* 2021 São Paulo, Brazil **$23M** last round Jun 2023
- 21 [**CircleBack Lending** CircleBack Lending was a financial technology company focused on providing affordable credit to prime U.S.](https://millionrounds.com/company/circleback-lending) CircleBack Lending was a financial technology company focused on providing affordable credit to prime U.S. *Founded* 2012 Boca Raton, United States **$22M** last round Jul 2015
- 22 [**Divido** Divido is a global white label consumer lending platform for financial institutions and multinational retailers.](https://millionrounds.com/company/divido) Divido is a global white label consumer lending platform for financial institutions and multinational retailers. *Founded* 2014 London, United Kingdom **$21M** last round Apr 2022
- 23 [**Clara Lending** Building the fastest, simplest way for consumers to finance their home.](https://millionrounds.com/company/clara-lending) Building the fastest, simplest way for consumers to finance their home. *Founded* 2014 San Francisco, United States **$19M** last round Aug 2016
- 24 [**Momnt** Momnt is a financial technology platform that offers point-of-need lending solutions to businesses.](https://millionrounds.com/company/momnt) Momnt is a financial technology platform that offers point-of-need lending solutions to businesses. *Founded* 2020 Atlanta, United States **$15M** last round Sept 2023
- 25 [**Key** Key is helping a generation stuck renting get on the homeownership ladder while providing property owners with superior real estate returns.](https://millionrounds.com/company/key) Key is helping a generation stuck renting get on the homeownership ladder while providing property owners with superior real estate returns. *Founded* 2018 Canada **$13M** last round Mar 2024
- 26 [**Credit Fair** Credit Fair operates as a consumer lending fintech startup.](https://millionrounds.com/company/credit-fair) Credit Fair operates as a consumer lending fintech startup. *Founded* 2018 India **$5.0M** last round Feb 2025
- 27 [**Niro** Niro is a private limited digital lending company based in Bangalore, India.](https://millionrounds.com/company/niro) Niro is a private limited digital lending company based in Bangalore, India. *Founded* 2021 Bengaluru, India **$4.3M** last round May 2024
- 28 [**Mifundo** AI-based platform which makes cross-border lending possible for the banks and consumers in EU.](https://millionrounds.com/company/mifundo) AI-based platform which makes cross-border lending possible for the banks and consumers in EU. *Founded* 2018 Tallinn, Estonia **$4.0M** last round Sept 2024
- 29 [**LendingFront** LendingFront is a fintech company based in New York, founded in 2014.](https://millionrounds.com/company/lendingfront) LendingFront is a fintech company based in New York, founded in 2014. *Founded* 2014 New York, United States **$4.0M** last round Dec 2019
- 30 [**Aham Housing Finance** Aham Housing Finance is a financial services firm that offers home loans.](https://millionrounds.com/company/aham-housing-finance) Aham Housing Finance is a financial services firm that offers home loans. *Founded* 2017 Chennai **$3.6M** last round Nov 2023
- 31 [**Lil Snack** Lil Snack is developing the daily games consumer platform.They has collectively built some of the most beloved gaming experiences.](https://millionrounds.com/company/lil-snack) Lil Snack is developing the daily games consumer platform.They has collectively built some of the most beloved gaming experiences. *Founded* 2023 Los Angeles, United States **$3.1M** last round Apr 2024
- 32 [**HelloSolar Finance** HelloSolar Finance is a financial company that offers loan for access to the adoption of green technologies.](https://millionrounds.com/company/hellosolar-finance) HelloSolar Finance is a financial company that offers loan for access to the adoption of green technologies. *Founded* - Scottsdale, United States **$3.0M** last round Jul 2023
- 33 [**Peerform** Peerform is a peer-to-peer lending platform that connects lenders and borrowers for fixed-rate personal loans.](https://millionrounds.com/company/peerform) Peerform is a peer-to-peer lending platform that connects lenders and borrowers for fixed-rate personal loans. *Founded* 2010 United States **$2.9M** last round Apr 2014
- 34 [**Soisy** Soisy is an Italian Payment Institution offering installment payments at point-of-sale (POS), financed via marketplace lending.](https://millionrounds.com/company/soisy) Soisy is an Italian Payment Institution offering installment payments at point-of-sale (POS), financed via marketplace lending. *Founded* 2015 Italy **$1.9M** last round Nov 2020
- 35 [**sEATz** sEATz is a tech company looking to change the way spectators buy food at sports stadiums.](https://millionrounds.com/company/seatz) sEATz is a tech company looking to change the way spectators buy food at sports stadiums. *Founded* 2018 Houston **$1.7M** last round Jan 2021
- 36 [**Yapp** Yapp is a lending agency that provides small personal loans through a fast simplified processing system for consumers.](https://millionrounds.com/company/yapp) Yapp is a lending agency that provides small personal loans through a fast simplified processing system for consumers. *Founded* 2017 United States **$1.0M** last round Apr 2012
- 37 [**Tekkredi** Tekkredi is a fintech platform based in Istanbul, Turkey, specializing in consumer lending and debt consolidation.](https://millionrounds.com/company/tekkredi) Tekkredi is a fintech platform based in Istanbul, Turkey, specializing in consumer lending and debt consolidation. *Founded* 2016 Türkiye **$985K** last round Dec 2017
- 38 [**Scramble** Scramble OÜ, also known as Scrambleup, is a fintech company based in Tallinn, Estonia, founded in 2019.](https://millionrounds.com/company/scramble) Scramble OÜ, also known as Scrambleup, is a fintech company based in Tallinn, Estonia, founded in 2019. *Founded* 2019 Tallinn, Estonia **$545K** last round Mar 2024
- 39 [**LoanStar Technologies** LoanStar works with lenders of all sizes to design, deploy and power instant indirect consumer lending at the point-of-sale.](https://millionrounds.com/company/loanstar-technologies) LoanStar works with lenders of all sizes to design, deploy and power instant indirect consumer lending at the point-of-sale. *Founded* 2015 Swarthmore, United States **$500K** last round Jan 2026
- 40 [**Evolve Credit** Evolve Credit makes it faster and easier for financial institutions to streamline, digitize, and scale financial products and services.](https://millionrounds.com/company/evolve-credit) Evolve Credit makes it faster and easier for financial institutions to streamline, digitize, and scale financial products and services. *Founded* 2019 Lagos **$150K** last round Jun 2023
- 41 [**Flight Refund** Flight Refund assists air passengers to enforce claims against airlines for delayed or cancelled flights.](https://millionrounds.com/company/flight-refund) Flight Refund assists air passengers to enforce claims against airlines for delayed or cancelled flights. *Founded* 2012 Budapest, Hungary **$130K** last round Feb 2020
- 42 [**Finclude** Transforming consumer credit based on transactional behaviour](https://millionrounds.com/company/finclude) Transforming consumer credit based on transactional behaviour *Founded* 2018 Dublin, Ireland **$5K** last round May 2023

**Total funding** how the list is ranked

**15 November 2026** updated nightly

**Rounds we track** source: Millionrounds

Companies whose own description names this theme, ranked by the total they have raised in rounds we hold. Nobody pays to be on a list.

## Who backed them?

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[See all](https://millionrounds.com/top-lists?r=Global)

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