Conditional approval
Finratus
The FCCPC has allowed this lender to operate on conditions it still has to meet. Read the terms carefully before borrowing.
- Company
- X3 Leasing Limited
- Listed by FCCPC as
- XERO ACCOUNTING APP AND FINRATUS APP
Be careful: compare it with fully approved lenders first, read every fee before accepting, and do not grant access to your contacts.
FCCPC register last checked 24 October 2026. Names can differ slightly between the app store and the register; if in doubt, search the company name.
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Questions borrowers ask
Is Finratus approved by the FCCPC?
As of the FCCPC register checked on 24 October 2026, Finratus is listed as: Conditional approval. The FCCPC has allowed this lender to operate on conditions it still has to meet. Read the terms carefully before borrowing.
Who owns Finratus?
The FCCPC register lists Finratus under X3 Leasing Limited.
Is it safe to borrow from Finratus?
We would not recommend it. Borrow only from lenders with full FCCPC approval or a CBN licence, and compare the total cost first.
What can I do if Finratus harasses me or messages my contacts?
Keep screenshots of every message and call, do not pay anything you do not owe, and report it to the FCCPC. Shaming borrowers or contacting their friends and family breaks the FCCPC digital lending rules. You can also report it to KudiCompass so we can warn other borrowers.