UK Consumer Lending Payment Trends 2025

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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relationships, expect seamless digital journeys, and rely on a variety of payment methods, many lenders are still using outdated systems that cause friction - and missed opportunities.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

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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

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"This research reflects what we see every day: borrowers are managing multiple credit commitments and want fast, simple repayment journeys. With most borrowers using more than one lender, competition is greater. It’s more important than ever to make the repayment experience easy and flexible, without losing focus on compliance."

- James Hill, CEO, Flexys

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.