Firm analysis

Everyday Lending Limited complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Everyday Lending Limited, including outcome context, product mix, complaint themes, and representative cases.

Page summary

760 published decisions involving Everyday Lending Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

760

Firm-specific decision volume in the public corpus

Upheld rate

64.7%

492 upheld decisions

Latest published decision 23 Dec 2025

Published decisions

760

Firm-specific decision volume in the public corpus

Upheld rate

64.7%

492 upheld decisions

Leading product

Consumer Credit

665 decisions

Leading complaint theme

Affordability Assessment Failure

311 tagged decisions

Everyday Lending Limited at a glance

Everyday Lending Limited appears in 760 published decisions in this corpus. 64.7% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 665 decisions and an upheld rate of 65.7%.

  • Latest active year in the published data: 2025 (32 decisions)
  • Most common complaint theme: Affordability Assessment Failure
  • Most common precedent signal: Conc

Volume and outcome trajectory

Everyday Lending Limited's decision trail runs from 2013 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Everyday Lending Limited appeared in 32 published decisions with an upheld rate of 34.4%.

  • 2025: 32 decisions, 34.4% upheld
  • 2024: 30 decisions, 23.3% upheld
  • 2023: 148 decisions, 73.0% upheld
  • 2022: 323 decisions, 71.5% upheld
  • 2021: 142 decisions, 61.3% upheld

Themes, products, and precedent signals

Affordability Assessment Failure is the strongest complaint-theme signal tied to Everyday Lending Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Conc, Consumer Credit Act 1974, Disp, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Consumer Credit: 665 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Consumer Credit Act 1974

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-574390023 Dec 2025Not upheld

Everyday Lending Limited · Consumer Credit

DRN-5743900 The complaint Miss C complains that Everyday Lending Limited trading as Evlo (Everyday Lending) lent £5,000 to her on 30 August 2024 when she could not afford to repay it sustainably. Miss C says that the interest rate is exponentially high. Miss C complains that she was den... (5 pages)

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DRN-602652218 Dec 2025Not upheld

Everyday Lending Limited · Consumer Credit

DRN-6026522 The complaint Miss C complains Everyday Lending Limited trading as Evlo (Evlo) approved a loan that was unaffordable. What happened Miss C says Evlo approved a loan for £11,240 in May 2023, at a time when she was already heavily indebted and Evlo should have known the loan w... (5 pages)

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DRN-584204915 Dec 2025Not upheld

Everyday Lending Limited · Consumer Credit

DRN-5842049 The complaint Mr D complains that Everyday Lending Limited (“ELL”) has irresponsibly lent to him. What happened ELL lent Mr D one loan in March 2024, the loan was for £1,250, which Mr D stated he needed for home improvements. The loan term was 18 months with monthly repaymen... (3 pages)

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DRN-566593502 Dec 2025Upheld

Everyday Lending Limited · Consumer Credit

DRN-5665935 The complaint Mrs Q complains that Everyday Lending Limited trading as Evlo (Evlo) acted irresponsibly when they agreed to lend to her. What happened In December 2023, Mrs Q successfully applied for a loan with Evlo for £10,000. The loan was to be repaid over 36 months with... (4 pages)

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DRN-597677328 Nov 2025Not upheld

Everyday Lending Limited · Consumer Credit

DRN-5976773 The complaint Mrs H says Everyday Lending Limited, trading as Evlo, irresponsibly lent to her. What happened Mrs H took out a loan for £12,500 over 60 months in November 2023. The monthly repayments were £443.89 and the total repayable was £26,633.40. She says the loan was n... (4 pages)

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