No reviews for Conduit

Representative 171.94% APR

Will lend between: £200 - £1,000

Over: 4 - 52 Weeks

Representative example: If you borrow £500 over 39 weeks at a Representative rate of 171.94% APR and an annual interest rate of 92.27% (variable) you would pay 39 repayments of £18.08 per week. The total charge for credit would be £205.12 and the total amount repayable will be £705.12 plus a £15 admin fee (taken from loan amount advanced).

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Representative 49.7% APR.

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Our review of Conduit

Conduit is a trading name of Five Lamps Trading Limited, which is a social enterprise. Conduit provide unsecured loans from £200 to £1000, pitching themselves as a solution for those with a less than perfect credit file. 

To cater for this market, what makes Conduit an attractive offering to bad credit borrowers is the fact they don’t require a guarantor to support an application. Although the product is still expensive to access, they do tend to compete well against the even more expensive high cost short term products, often referred to as payday loans.

When applying for a loan with Conduit, you will have to complete their online application form. They aim to provide you with a decision on your application within 24-48 hours. This lender also has partnerships with the Money Advice Service, local authorities and community based agencies. It’s refreshing to see a lender being passionate about assisting individuals becoming financial stable, even where they haven’t been able to offer their product.

Tara Flynn
Written by
Tara Flynn
COO, Co-Founder & Take Control Author at Choose Wisely

Tara started working in consumer finance in 2008, and then went on to co-found Choose Wisely back in 2011. 


  • Quick application
  • Customer service available online, telephone and face to face
  • No hidden fees

Minimum criteria

  • You must be aged 18-66
  • Apply online
  • UK residents only
  • You must have a bank account & debit card


  • Maximum APR 171.94%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Conduit

Conduit is a trading name of Five Lamps Trading Limited, a social enterprise. Conduit provide unsecured loans from £200 to £1,000 for first time borrowers and they offer flexible repayments from 4 to 52 weeks.

You can apply online or by calling them. You will need to complete an application form that asks questions around your personal details and your income and expenditure. Once Conduit have received your application, they will assess it and communicate their decision to you via email, telephone or text. You will normally get a decision on your application within 24-48 hours.

Conduit loans are payable from 4 weeks to 52 weeks, depending on your circumstances. Customers are provided with a repayment schedule which clearly details the amount and date of each repayment.

Company information

Registration number: 08029251

0300 111 0556

Eldon Street

FCA registration

Reference No: 791848

Trading names: Conduit ,

Place of business: Eldon Street, Thornaby, Stockton, TS17 7DJ

Data protection registration

Registration No: ZA164810

Address: Eldon Street, Thornaby, Stockton, TS17 7DJ

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Warning: Late repayment can cause you serious money problems. For help, go to