Conduit Loans

Conduit Loans is a responsible lender dedicated to providing fair and affordable personal loans as an alternative to high-cost credit. As a Community Development Financial Institution (CDFI), we transitioned from a national provider to focus on local communities in Teesside, the North East of England, and parts of Scotland. Our approach prioritises financial inclusion, offering flexible repayment terms from 12 to 78 weeks and loan amounts up to 1,500. Regulated by the Financial Conduct Authority, we ensure transparency and affordability, with 98% of customers recommending our services. Our team evaluates applications regardless of credit history, partnering with the Money Advice Service and local agencies to support long-term financial sustainability.

We maintain a 98% customer recommendation rate, reflecting our commitment to accessible, ethical lending. With over two decades of experience in community-focused finance, our expertise lies in tailoring loans to individual circumstances while adhering to strict regulatory standards. Our authoritativeness stems from our social enterprise background as Five Lamps, a trusted name in responsible lending since our establishment. Trust is central to our operations, demonstrated through clear communication, no hidden fees, and a complaints resolution process monitored by the Financial Ombudsman Service.