IPF review
Updated October 13, 2026 · BorrowCue Editorial Team
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Our verdict
IPF stands apart from mainstream lenders through a focus on financial inclusion rather than prime lending alone. It is a global financial services company providing credit and cover for people often overlooked elsewhere who want practical help today and support to plan ahead.
Key facts
- Best for
- People overlooked elsewhere seeking practical credit help
- Official website
- ipfin.co.uk
Apps and profiles
- Elsewhere
- Wikidata
Pros and cons
Pros
- Maintains an inclusion mission reaching people overlooked by mainstream lenders
- Combines everyday credit support with insurance within one global group
- Upholds published values and ethics guiding community focused conduct
Cons
- Focuses on a narrow credit plus insurance range without broader financial services
- Centres activity on everyday needs and future planning rather than specialist niches
Ready to try IPF?
Who it suits
- People overlooked by mainstream lenders
- Households planning everyday spending and future goals
Who should look elsewhere
- Borrowers seeking broad mainstream product choice
Who runs it
International Personal Finance PLC stands behind IPF as a UK based global lender. Ownership changed when New York based BasePoint Capital LLC finished buying the business. The group works across several markets and highlights customers in Mexico among those served. It runs unsecured credit and insurance products for millions of people. Leaders present the organisation as purpose led and focused on creating value for customers, communities and other wider stakeholders.
Safety and regulation
IPF places responsible lending at the heart of daily conduct and decision making. Shared values of respect, responsibility and straightforward dealing guide support for customers and communities. A Code of Ethics shapes behaviour across the organisation and underpins fair treatment. Governance standards support delivery of strategy and accountability to stakeholders. Participation in the regulated financial system helps people save, obtain regulated credit and build stability, while continued support assists longer term planning.
How IPF compares
Frequently asked questions
What does IPF provide?+
IPF supplies credit for everyday needs alongside insurance cover delivered responsibly. Help focuses on today’s essentials while encouraging planning for tomorrow. Inclusion guides the approach so more people can join mainstream financial life and build resilience.
Who does IPF aim to help?+
IPF focuses on people who find mainstream borrowing difficult to access. Assistance arrives when and where it is needed for daily life and future goals. Stories from customers and colleagues illustrate community ties and ongoing financial journeys.
Which company stands behind IPF?+
The brand operates under International Personal Finance PLC, a UK based global lender. New York based BasePoint Capital LLC has finished acquiring that business. The group continues to serve several markets with credit and related financial services.
How does IPF approach responsible lending?+
IPF follows values of respect, responsibility and straightforward conduct in everyday work. A Code of Ethics guides decisions and behaviour toward customers and communities. Strong governance supports consistent delivery and a commitment to act as a force for good.
Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.
IPF
People overlooked elsewhere seeking practical credit help