Building a better world

We are a global financial services company playing a vital role in the lives of millions by providing unsecured, affordable credit and great value insurance products, in a responsible way.

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IPF customer

Our stories

Find out how we are engaging with our customers.

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A people business

The IPF Group is a people business with over 21,000 colleagues supporting over 1.7 million customers across 9 different markets. Regardless of location, we aim to attract, inspire, and engage a talented workforce which flourishes and is proud to work for us.

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Our culture & values

We are a people business, understand the culture and values which underpins our workforce.

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Creating social value

We are a purpose led organisation that strives to be an uncompromising force for good in the markets in which we operate, while maximising value for customers and investors.

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Sustainability report 2023 

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New GBP bond issue

Please click the arrow below to access the materials for the Exchange Offer and the Cash Offer.

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Balanced approach to stakeholders

Each group of our stakeholders is essential. We commit to deliver value to all of them, to support their future success as well as our own. 

  • We have financially helped more than 14 million people over 25 years.
  • Providing access to regulated, affordable and flexible credit.
  • Partnering with customers to provide a trustworthy and safe service.

  • Providing careers and an income for more than 21,000 employees and customer representatives.
  • Our values: respectful, responsible, straightforward.
  • Diversity – an inclusive organisation with an almost 80% female workforce.

  • Making a positive contribution to our communities and the environment.
  • Investing in valuable social initiatives; 15,000 volunteering hours in 2022, with 4,000 volunteers and almost £1.1m invested.
  • Committed to global 'Invisibles' campaign.

  • We abide by all relevant regulatory standards.
  • Working with regulators to help shape regulation whilst providing financial inclusion.
  • Committed to transparent and fair practices.

  • A well-governed business, supporting social mobility by providing a necessary service to customers less favoured by high-street banks, helping to deliver a key element of government inclusion strategies.
  • Total tax contribution of £758m in the period 2018 to 2022 comprising of £388m taxes paid and £370m taxes collected on behalf of governments such as payroll taxes and employees’ social security payments.

  • Providing funding and support for more than 50 NGOs.
  • Active membership of key sector associations.
  • Open, honest debate to improve the lives of customers.

  • Supporting thousands of businesses and forming strong and sustainable partnerships with them.
  • We are a professional, reliable and trustworthy partner.
  • Pay invoices on time.

  • Delivering fair and sustainable returns and dividends.
  • Maintaining an open, transparent dialogue.
  • Being a force for good in society (ESG), and doing business with a meaningful purpose.

Our purpose guides our daily decisions and describes why we exist, reminding us of who we serve, and why. By delivering on our purpose, we serve and create value for our stakeholders, thus contributing towards our own success.

Deliver value to our customers, meeting or exceeding their expectations, and helping them fulfil their plans by providing simple and personal financial solutions when it really matters in a way that is fast and simple, well-governed, fair and flexible.

Invest in our people, compensating them fairly and providing important benefits, as well as supporting them with training and education that help develop new skills for a rapidly changing world. We also foster diversity and inclusion, dignity and respect.

Deal fairly and ethically with our suppliers. We are dedicated to serving as good partners to the other companies, large and small, that we work with to deliver for our customers. We will ensure we are professional, reliable and trustworthy to deal with and that our reputation and brand reflect well on them.

Generate long-term value for investors who, in turn, provide the capital that allows us to invest, grow and innovate. We are committed to transparency and effective engagement with them.

Support the communities in which we work. We are positively active in the communities in which we work, and support local causes that are important to those communities, while being mindful of the environment and embracing sustainable practices across our business. Our flagship community programme is called 'Invisibles'.

We work with our regulators to show them IPF is an important member of a well-functioning financial market. We want our regulators to understand we provide all the information customers need to make an informed decision. We treat customers as equal partners. We are transparent, ethical, and open to any concerns and suggestions our regulators might have.

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