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This extension is in our Payment category, and could affect the PCI compliance level of your store. It is the merchant’s responsibility to ensure the proper PCI compliance level of their store, as applicable by PCI regulations. The PCI Self-Assessment is one tool you can use when evaluating Payment extensions and how they may affect your PCI compliance level. For more information on Marketplace policies, please review the Marketplace Terms & Conditions.

Lending Works Retail Finance Payment

This is an Integration with a Third Party Service. Other charges and fees may be required to use this extension on your Store


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Lending Works matches investors directly with borrowers who want to spread the cost of their purchase. By cutting out the old financial institutions, we help your customers buy more for less. There are no hidden fees for you or customers. Just simple, flexible finance on purchases from £50 to £25,000. Lending Works isn’t like old fashioned financial services companies. We seamlessly connect people that want to invest their money with sensible borrowers who want to get a better rate on their personal loan, so both get a better deal. Rather than focusing exclusively on profits, we focus on being fair, transparent and honest. These values not only make us proud of the way we treat our customers, but also help us to set a new standard in financial services.

This extension will add a new payment option, Lending Works Retail Finance, to your checkout. This allows customers to apply directly to Lending Works for finance when making a purchase, and if approved, proceed with the order in minutes. It works by connecting to our API, and launching our application checkout remotely, and synchronising order details between your database and ours. Learn more

Why our solution is great for retailers:

  • Boost your sales - Offering finance can increase your sales by 17% and order value by 15%, on average. Source: Forrester

  • Customers love us - From start to finish, you and your customers enjoy one seamless experience, online, in-store or over the phone. That’s why we’re rated 9.7 out of 10 on trust pilot.
  • Rocket science made simple - Our integration takes days, not months, and we support you all the way. See all your sales on one easy-to-use online account, or connect by API.
  • Flexible finance - Split small purchases into 3 interest-free payments or Finance from 6 to 60 months on purchases from £250.00


Account & Pricing

You must be signed up as an approved retailer to use this extension. Additional fees apply. If you would like to set up an account, please contact the sales department here: https://www.lendingworks.co.uk/retail-finance/contact-sales. For pricing information, please visit our pricing page.



  • Adds a new payment method, Lending Works Retail Finance, to your checkout
  • Stores Lending Works order data in against the order in the Magento database
  • Adds the ability to manually mark the order as fulfilled from the administration area
  • Adds minimum and maximum purchase values for using Retail Finance
  • Allows for use of a development/testing environment


Security Features

The integration adds three database fields to orders:

  • lendingworks_order_id
  • lendingworks_order_status
  • lendingworks_order_fulfilment_status

These map directly to fields in the Lending Works database, and contain no sensitive information. Customer data is collected via a popup checkout launched from the Lending Works servers and sent immediately through for processing. None of the information entered is stored on the Magento server.

During the finance application, data entered into the checkout is collected and sent as an API request to the secure Lending Works servers, authenticated by an order token generated based on the API key entered by the retailer. You can read more about Lending Works' security practices here: https://partner-support.lendingworks.co.uk/hc/en-us/articles/360007116612-Data-security-at-Lending-Works

Technical Specifications

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Seller profile

Lending Works Limited

Seller contact



Lending Works

Current Version


Magento platform compatibility

Open Source (CE): 2.0, 2.1, 2.2, 2.3


Stable Build


28 October, 2019


Extensions, Payments & Security, Payment Integration


User Guides

License Type

MIT License (MIT)


Privacy Policy

Quality Report

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Installation & Varnish Tests


Coding Standard


Plagiarism Check


Malware Check


Marketing Review


Manual Testing


All tests were conducted on the latest versions of Magento that existed for the compatible release lines at the moment of the extension submission. Latest versions of all other software were used, as applicable.

Release Notes

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  • Compatible with Open Source (CE) : 2.0 2.1 2.2 2.3
  • Stability: Stable Build
  • Description:

    BUGFIX - fixes an issue where the checkout would not launch due to the checkout URL returning as NULL unless an override was set


  • Compatible with Open Source (CE) : 2.0 2.1 2.2 2.3
  • Stability: Stable Build
  • Description:

    BUGFIX fixes an issue where orders that had tax applied weren't sending those tax details to the Lending Works API, causing orders to not be created correctly. Also slightly refactors the Data Helper to use dependency injection rather than a raw `include`


  • Compatible with Open Source (CE) : 2.0 2.1 2.2 2.3
  • Stability: Stable Build
  • Description:

    - Changed the way we handled the CSRF implementation on the Callback controller so that it remains PHP5-compatible - H/T Adyen/adyen-magento2/pull/357/files
    - Added a hard-coded define for JSON_PRESERVE_ZERO_FRACTION to preserve PHP5 compatibility
    - Updated the fulfill endpoint URL
    - Updated the integration/testing URLs to use the new retail-sandbox environment; if this breaks your checkout, let us know ASAP via integrations@lendingworks.co.uk
    - Added validation when submitting an order via LendingWorks that the LendingWorks Database fields have been populated to prevent circumventing the checkout popup when submitting
    - Linting tidy-ups


  • Compatible with Open Source (CE) : 2.0 2.1 2.2
  • Stability: Stable Build
  • Description:

    Updates the testing/integration URL to be hardcoded to HTTPS to fix some connection issues.


  • Compatible with Open Source (CE) : 2.0 2.1 2.2
  • Stability: Stable Build
  • Description:

    BUGFIX use a case-insensitive comparison when checking validity of the order status.


  • Compatible with Open Source (CE) : 2.0 2.1 2.2
  • Stability: Stable Build
  • Description:

    Adds a handler for the 'accepted' state of orders, introduced recently as deposits can now be accepted through the checkout popup.


  • Compatible with Open Source (CE) : 2.0 2.1 2.2
  • Stability: Stable Build
  • Description:

    Bugfix release to handle discounts from the store correctly. Some minor tidy-ups in documentation and coding style.


  • Compatible with Open Source (CE) : 2.0 2.1 2.2
  • Stability: Stable Build
  • Description:

    First release of the Lending Works Retail Finance payment method extension.
    Adds the Lending Works checkout as a payment option at checkout, configuration options relevant to that, and database fields to Order and Quote to keep the data in sync with Lending Works' own data.
    Requires an API key to function - please contact partnerships@lendingworks.co.uk for queries around this.


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