Open Banking

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Open Banking application

Please click on the relevant portals to provide your bank statements.

Why have I been sent this link?

If you have received this link via an introducer, our underwriting team have likely asked to review bank statements to gain a better understanding of your profile, to complete the assessment of your application.

Awareness Min

What is Open banking

Open banking is the process of enabling third-party financial services providers to access consumer banking information such as transactions and payment history.

This practice is possible through Consents.online which is an Equifax Company.

Learn more about how Consents.online works here.

 

Why do we use open banking?

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Accurate

ID Verification

This enables us to perform anti-impersonation checks and help verify your identity

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Credit

Risk Decisioning

Combining bank account insights with bureau data to improve our credit risk scorecard effectiveness

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Affordability

Assessment

Providing a more detailed and insightful view of your finances which enables more accurate affordability decisions

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Expert, independent and secure

We are happy to lend anything from £25,000 to £750k, and to date we have loaned almost £900M. We pride ourselves on personal service, which means that we don’t just punch numbers into a computer and wait for an answer – we talk to you, use our expert knowledge to assess you and your vehicle, and arrange a finance package to suit your needs.

As a result, we have received numerous awards and nominations, including the Auto Finance Awards, Motor Finance Awards and Car Finance Awards.

Our management team has decades of combined experience in the worlds of automotive finance and financial services. We are full members of the Finance & Leasing Association and abide by its FLA Lending Code on trading fairly and responsibly. We are also authorised and regulated by the Financial Conduct Authority.

Open Banking FAQs

Frequently Asked Questions

How will my bank/building society know that I have given consent to a consents.online?

When you give consent to consents.online to access your data on behalf of JBR Capital, you will go through a step where your bank/building society verifies your identity. This is similar to how you access your internet or mobile banking services at the moment. This process will inform your bank that you have securely shared your information with us as part of the Open Banking scheme.

Can I trust consents.online?

Consents.online is registered with and regulated by, the FCA in order to act as an Account Information Service Provider. This enables them to offer services to you through the Open Banking scheme. Consent.onlines FCA registration number is 792642.

Will I be charged to use consents.online?

No, it is completely free for all our consumers.

Is Open Banking safe?

Yes, Open Banking is a government initiative developed in partnership with the UK banking institutions. The scheme has been developed with security and privacy at the front of the agenda and you can rest assured that it is perfectly safe for you to engage products and services as part of Open Banking. If you have any further concerns, we suggest you get in touch with your bank to discuss.