Conduit are a responsible lender offering fair and affordable personal loans and who present an alternative solution to high cost credit. We're not just a loan maker. Conduit is the brand name of Five Lamps, a social enterprise which offers services to create opportunities and transform lives. As a Community Development Financial Institution (CDFI), we take our responsibilities and commitment to our customers and stakeholders very seriously.

We are here to support individuals, families and communities by offering lower cost, affordable and flexible loans that best fit with the circumstances of each individual. Everyone is different and everyone has a different story. That's why our team consider all applications regardless of credit history and you'll be reassured to know that we are regulated and monitored by the Financial Conduct Authority.

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FAQ’s Report

Five Lamps is a community lender committed to providing access to fair and affordable financial products and services for individuals who are unable to access mainstream sources of credit. We provide an alternative to high-cost short term credit providers, doorstep lenders and illegal money lenders.

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If you want to apply for a loan or have a query and you want to speak to one of our friendly team then email us on loans@conduit.org.uk. Or you can also call our call centre during their office hours if you prefer. For more information on how to make a complaint, download our Complaints Procedure If you would like to make a complaint to the Financial Ombudsman Service they can be contacted via the customer helpline on 0800 0234567.

Reviews (8)

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Phillip Roughan

Oct 07, 2021

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AVIOD DO NOT USE
Do not use this company these do not get back to you and when you try and pay early they charge you the full interest.
AVIOD DO NOT USE

Ste Nichol

Sep 22, 2021

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Critical: Professionalism, Responsiveness
Put a default on my credit file and I've never had a loan or even heard of these cowboys. Totally different date of birth 10 years before i was born. Phone number just goes straight to answer machine tried for 3 days left 3 messages no resoonse

Paula Laverick

Sep 17, 2021

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Critical: Quality
Had these for a number of years, no problem missed 3 payments BUT upped my payments to get it off quicker and won't re.new it.

Kathleen M. E. A. Lincoln

Jun 20, 2021

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I took loans out with five lamps for 3 year the service was brilliant and very helpful.

Mila Cullimore

Feb 21, 2021

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Critical: Professionalism, Quality, Responsiveness, Value
Terrible service and lying employees save yourselves the trouble DO NOT USE

Redkrystal Developers

Jan 15, 2021

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Where are the humans at? 0 customer support. 0 telephone support. Cuts of the call immediately. What is this? Non professional trash business. Total avoid! Plus interest rate is through the roof!

Mike Hisscott

Jul 28, 2020

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Critical: Professionalism
Applied for a loan got fully accepted then be told I have not been accepted due to human error not very professional
After losing a£200 non refundable deposit after being told I got loan as would not of put a deposit on a purchase had I not got loan
Crooks

Harry Oldfield

Aug 17, 2019

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Helped me from start to finish. Made sure I got the deal that suits me! Service was perfect very friendly staff. Thankyou all for your help. Would definitely recommend to anyone!