Tymit Partners with LendingMetrics to Accelerate Credit Decisioning via ADP

Instalment-only credit card provider Tymit has integrated LendingMetrics’ Auto Decision Platform (ADP) to accelerate its credit decisioning process. For fintech professionals, this move highlights the ongoing shift toward private-cloud-based automated underwriting in the instalment credit space, allowing providers to scale operations while maintaining granular control over risk logic in real time.

What was announced

Tymit, an instalment-only credit card provider, selected LendingMetrics’ ADP following a competitive review of several platform providers. The ADP solution is a private-cloud-based system designed to give underwriters the ability to create and adjust decisioning logic instantly. This automation is intended to deliver credit decisions to consumers in seconds rather than minutes or hours.

Launched in 2019, Tymit operates by partnering with merchants to offer flexible payment plans for both online and in-store purchases. The core product allows users to pay for purchases in full at the end of the month or split them into three interest-free monthly instalments. For larger purchases or longer repayment needs, the platform offers terms of six, 12, 24, or 36 months, with interest rates provided upfront to ensure transparency. By adopting ADP, Tymit aims to optimize its back-office functions and improve its ability to scale as it expands its merchant partnership network and consumer base.

"We're really pleased Tymit has adopted ADP, which provides it with the best solution for back office optimisation and scaling-up as its business expands. Going forward, the company will be using our award-winning platform to leverage the many benefits that come from assisted decisioning and the digital world."

David Wylie, Commercial Director of LendingMetrics.

The companies involved

LendingMetrics is a fintech firm specializing in credit risk software and data solutions. The company focuses on providing automated decisioning tools that allow lenders to manage risk more effectively through real-time data integration. It has recently seen significant activity, including investment backing from private equity firm LDC.

Tymit is a credit provider that focuses on the "Buy Now, Pay Later" (BNPL) and instalment credit market. It is a subsidiary of Frasers Group, the retail powerhouse formerly known as Sports Direct International. Since its launch, Tymit has positioned itself as an alternative to traditional credit cards, aiming to prevent debt spirals through structured repayment plans and transparent pricing. The company’s integration into the Frasers Group ecosystem has provided it with a significant retail footprint, allowing it to offer its flexible payment solutions across a wide range of high-street and digital storefronts.

What FF News has reported before

FF News has tracked the growth of both companies as they refine their technological stacks. We previously covered how TransUnion helps Tymit To Improve Its Fraud Prevention, a key step in the company's risk management evolution. Additionally, the provider enhanced its liquidity and user experience when Innovative credit provider Tymit introduces instant payments with TrueLayer. On the infrastructure side, LendingMetrics has been scaling its own operations, as seen when LDC Backs Fast-growing Fintech LendingMetrics. The firm also recently moved to strengthen its senior leadership to drive further innovation in the credit risk sector.

What this means

This partnership reflects a broader industry trend where instalment credit providers are moving away from rigid, legacy underwriting systems in favor of agile, real-time decisioning engines. As the BNPL and instalment credit sectors face increasing regulatory scrutiny regarding affordability, the ability to manipulate decisioning logic instantly is no longer just a speed advantage—it is a compliance necessity. Traditional credit card issuers are under pressure to match this level of transparency and flexibility. The challenge for the market now is whether these automated platforms can maintain low default rates during periods of economic volatility while still delivering the "instant" experience consumers expect.