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ReFi enables

True Debt Consolidation

ReFi is a seamless digital journey which validates the card, loan and overdraft products a customer currently holds. It confirms balances and settlement amounts, pays creditors directly, and if instructed to do so, evidence that these accounts are closed.

Refi Your Debts Screen
ReFi Add new Credit Card screen

Personal loans, made more personal

ReFi is a unique, safe and secure way to ensure a new loan that works for a customer. It is the UK’s first True Debt Consolidation product, already saving UK customers millions of £’s in interest.

With ReFi you can...

Refi Add New Debt Screen

Accept target customers

Target customers who have passed creditworthiness and income sufficiency and stability checks.
Refi Please Provide Us With Details Screen

Build brand advocacy

Build brand advocacy from the customers who you help to improve their financial health.

Refi New Credit Card Added Successfully Screen

Act as a concierge service

Customers will save time and reduce hassle of dealing with multiple financial institutions.

Refi Sign Here Screen

Lower fraud

Consumers who use ReFi to pay creditors directly are less likely to be fraudsters.

Access to credit matters enormously

Credit allows families to manage costs, realise opportunities and pursue financial objectives. It is especially valuable during tough times.


Being granted credit is not a right. Before accepting a new customer, lenders have to be certain that their product is affordable for the customer.
ReFi is a unique, safe and secure way to ensure a customer’s new loan improves their financial position

£1.842 TRILLION

How much the people in the UK owed at the end of June 2023
Statistics provided by The Money Charity

£2,363

Average Credit Card debt per household in June 2023
Statistics provided by The Money Charity

£65,619

Average total debt per UK household in June 2023
Statistics provided by The Money Charity

£4,047

Total unsecured debt per UK adult in June 2023
Statistics provided by The Money Charity

ReFi unlocks products for customers which can improve their financial health

Lenders can build brand advocacy from this as well as gain total assurance that a new line of credit is affordable.