Lowell Financial Ltd

Lowell Financial Ltd: debt management in the UK

Lowell Financial Ltd is a company registered in England and Wales that forms part of the Lowell group, dedicated to the purchase and management of debts. Its activity consists of acquiring overdue debts from other companies and working with debtors to establish affordable payment solutions. The company operates through its website lowell.co.uk and offers services both online and via mobile apps.

Business model: debt purchase and collection

The Lowell group is structured into two main companies: Lowell Portfolio I Ltd, which is responsible for buying debts from different companies and becomes their legal owner, and Lowell Financial Ltd, which contacts customers and manages payment plans. The debts acquired may come from bank accounts, credit cards, mobile phone plans, utility bills and other financial products. Lowell Financial Ltd cannot intervene in debts that are not owned by the group.

Payment plans and conditions

The company offers payment plans with no interest or admin fees for those who work with them to manage their account. According to the information published, no interest or fees are applied if the customer commits to managing their debt, and no enforcement officers are sent nor are CCJs issued without first trying to reach a solution. Lowell Financial Ltd also does not require payments higher than what the customer can afford. The company states that, on average, during 2025 it helped more than 3,109 customers a day to set up affordable payment plans, and that it has helped more than 3.5 million customers become debt-free.

Digital tools and support services

Lowell Financial Ltd provides customers with an online account and a mobile app that allow them to check their balance, make quick payments with Apple Pay or Google Pay and manage their payment plan without needing to call. It also offers a budget calculator to determine how much the customer can pay after covering their income and expenses, and a benefits calculator developed with entitledto, which helps identify unclaimed benefits. The company also publishes guides and FAQs on topics such as credit files, statute barred debt, CCJs, IVAs and bankruptcy, and provides access to free independent debt advice.

Values and customer focus

The company states that it puts people at the centre of its activity and that no customer should face their debt alone. Among the values it mentions are excellence, compassion, responsibility, ambition and pioneering spirit. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) of the UK.

Location and contact

No.1 The Square, Thorpe Park View, Thorpe Park, Leeds, LS15 8GH