UK Consumer Lending Payment Trends 2025
Informed by proprietary consumer research – backed by Acquired.com.
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Borrowers have changed. Has your payment strategy kept up?
In an age where consumers manage multiple credit relationships, expect seamless digital journeys, and rely on a variety of payment methods, many lenders are still using outdated systems that cause friction - and missed opportunities.
To help lenders stay ahead, Acquired.com has produced a report leveraging feedback from 500 UK lending consumers exploring the fundamental shifts in borrower behaviour and what they mean for lending collections strategies in 2025 and beyond.
68% of prime borrowers had enough money in another account at the time of a missed payment
75% of near-prime borrowers are managing two or more loans simultaneously
One-third of borrowers aren’t sure how their recurring payments are processed
Bringing together Acquired.com's decade of expertise in the lending sector with original consumer insights, this report provides a product-led perspective on how lenders can optimise repayment journeys, enhance borrower engagement, and improve portfolio performance.
In this report, you'll discover:
- Practical recommendations for responsible collections that leverage the latest payment tools
- The role of payment innovations such as VRPs
- How customisation and automation can boost payment success rates
- What good looks like in the modern repayment journey - and how to build it in your organisation
What you'll learn:
- Why missed payments often signal liquidity friction, not financial hardship—and how to address it.
- How to use data to match borrowers with the right payment method at the right time.
- The role of digital wallets, Pay by Bank, and automated payment links in optimising repayment journeys.
- How leading lenders like Zopa Bank are recovering millions using smarter, tech-enabled recovery tools.
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