Lenders & Response Behaviour

FinMatch Partner API is launching with support for one lender (humm) with additional lenders coming soon.

Comparison Table

Attributes	humm (live)	DivideBuy (Q1 2026)	Snap Finance (Q1 2026)
Min loan	£250	£250	£250
Max loan	£50,000	£25,000	£15,000
first_payment_type	"Upfront Instalment"	"First Repayment"	"Lender Deposit"
first_payment_amount	100.00	155.52	1.00
When first payment is taken	Immediately	Immediately	Immediately
Monthly repayments	term – 1 months	full advertised term	full advertised term
APR	Fixed	Fixed	Variable

note

We use the variable “first_payment_type” to normalise the terminology used by different lenders. Lenders require their specific terminology to be used when displaying full rep examples.

Full Rep Example Comparison

Here is an full rep example with one humm product and one Snap Finance product.

• humm has a Fixed APR, while Snap Finance has a Variable APR.
• humm's first_payment_type is called "Upfront Instalment", while Snap Finance's is called "Lender Deposit". We return this in the response.

humm (live)

• Min loan = £250, max loan = £50,000
• First payment is referred to as “Upfront Instalment”.
• humm counts the “Upfront Instalment” as the first monthly repayment, meaning the customer pays one fewer monthly repayments than the term length.
  • e.g. if the term is 60 months, the number_of_repayments will be 59.

humm Example Response

{
  "lender": "humm",
  "credit_product": "60 months Low Rate Credit",
  "purchase_price": 10000.00,
  "customer_deposit": 1000.00,
  "loan_amount": 9000.00,
  "first_payment_type": "Upfront Instalment",
  "first_payment_amount": 166.60,
  "apr": "9.90%",
  "annual_interest_rate": "9.90%",
  "number_of_repayments": 59,
  "monthly_repayment": 211.15,
  "cost_of_credit": 3624.45,
  "total_amount_payable": 13624.45,
  "total_amount_payable_excluding_deposit": 12624.45,
  "url": "http://www.xyzsolar.co.uk/finance/?loan_amount=9000.00&customer_deposit=1000.00&credit_product=hu0990-060M"
}

DivideBuy (Q1 2026)

• Min loan = £250, max loan = £25,000
• First payment is referred to as "First Repayment"
• The “number_of_repayments” will be the same as the listed term length.

DivideBuy Example Response

{
  "lender": "dividebuy",
  "credit_product": "84 months Low Rate Credit (11.9% APR fixed)",
  "purchase_price": 10000.00,
  "customer_deposit": 1000.00,
  "loan_amount": 9000.00,
  "first_payment_type": "First Repayment",
  "first_payment_amount": 0.00,
  "apr": "11.90%",
  "annual_interest_rate": "11.90%",
  "number_of_repayments": 84,
  "monthly_repayment": 155.51,
  "cost_of_credit": 4062.84,
  "total_amount_payable": 14062.84,
  "total_amount_payable_excluding_deposit": 13062.84,
  "url": "http://www.xyzsolar.co.uk/finance/?loan_amount=9000.00&customer_deposit=1000.00&credit_product=db1190-084M"
}

Snap Finance (Q1 2026)

• Min loan = £250, max loan = £15,000
• First payment is referred to as “Lender Deposit”. Do not confuse with “customer_deposit”.
• The “number_of_repayments” will be the same as the listed term length.
• Snap Finance offers credit products (APR and term length) based on affordability and credit checks.
  • The representative APR will be 9.9%, 12.9%, and 16.9%; the term lengths are 48, 60, and 72.
  • The actual APR and term lengths that customers are offered when applying for finance will vary based on affordability and credit scores.

Snap Example Response

{
  "lender": "snap",
  "credit_product": "60 months Credit (19.9% APR representative)",
  "purchase_price": 10000.00,
  "customer_deposit": 1000.00,
  "loan_amount": 9000.00,
  "first_payment_type": "deposit",
  "first_payment_amount": 1.00,
  "apr": "19.9%",
  "annual_interest_rate": "19.9%",
  "number_of_repayments": 60,
  "monthly_repayment": 236.80,
  "cost_of_credit": 4308.00,
  "total_amount_payable": 14308.00,
  "total_amount_payable_excluding_deposit": 13308.00,
  "url": "http://www.xyzsolar.co.uk/finance/?loan_amount=9000.00&customer_deposit=1000.00&credit_product=sn1990-060m"
}

Need Support?

Email: partners@finmatch.io