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Digital advice is financial guidance delivered online using smart technology and licensed advisers working together. At Lenny, our system reviews your application, income and affordability using secure data tools and lender criteria to match you with suitable loan options.

It’s not a generic calculator — it’s a structured, regulated process designed to help you understand what you can afford and what lenders are likely to approve. A qualified adviser oversees the process, and you can request human support at any time.

Digital advice allows us to move faster, reduce paperwork, and give you clear options without the pressure of a traditional bank appointment.

Yes. Lenny combines digital tools with real advisers.

You can speak with a licensed loan adviser by phone or message at any stage of your application. Many clients prefer the speed of the online process, but if you want reassurance, clarification, or help choosing between loan options, an adviser is available.

We’re designed to be flexible — digital when you want speed, human when you want support.

Banks offer their own loan products. Lenny compares multiple lenders.

Instead of applying to one bank or finance company and hoping for approval, Lenny matches your application across a panel of lenders with different credit criteria, interest rates and lending appetites. This increases your chances of finding a suitable option — especially if your situation doesn’t perfectly fit a single bank’s rules.

We focus on personal loans, debt consolidation and flexible funding solutions, and we explain your options in plain language before you commit.

Income verification is secure and flexible.

Most clients verify income instantly using encrypted bank data or by uploading payslips. We use trusted verification tools that lenders already accept, which speeds up approvals and reduces paperwork.

If automatic verification isn’t suitable, you can upload documents later through your secure portal. We’ll guide you through what’s needed — nothing more than lenders require.

Your information is encrypted and handled under strict privacy standards.

Your borrowing limit depends on income, expenses and lender criteria.

There’s no one-size-fits-all number. Our system looks at affordability first — what repayments comfortably fit your budget — then matches you with lenders who align with your profile. Some clients qualify for smaller consolidation loans, others for larger structured loans.

We’ll show realistic options based on your situation, not inflated numbers designed to overextend you.

Approvals can happen the same day, and funding is often fast.

Many lenders issue decisions within hours once documents are complete. If approved during normal business hours, funds are commonly paid the same day or next business day, depending on the lender and your bank.

Speed depends on how quickly income and ID verification are completed — the smoother the paperwork, the faster the result.

Lenny is built to remove delays, but we never rush decisions at the expense of responsible lending.