Back in the good old days banks would make lending decisions based on relationships and trust. If you wanted a loan, your bank would often ask someone who trusted you to be your cosigner.

Here at Transform Credit, we know that life can be a bit bumpy sometimes. We don't think you should be defined by your credit score or the decisions you've made in the past. Instead, we believe that anyone should be able to borrow money if they need to, so long as they can afford the repayments and are trusted by the people who know them best.

That's why we're building a loan company which we would want to borrow from ourselves. Because (in a nutshell) we believe all trustworthy people deserve access to fair and honest credit.