Mr Lender

5836 reviews

431.4% Representative

Will lend between: £200 - £1,000

Over: 3 - 6 Months

Representative example: Representative Example: If you borrow £400 for 6 months at a Representative rate of 431.4% APR and an annual interest rate of 180% (fixed), you would pay 6 monthly instalments - payment 1: £126.66, payment 2: £116.66, payment 3: £106.67, payment 4: £96.67, payment 5: £86.67, payment 6: £76.67. Rate of interest 0.50% per day on outstanding capital. The total charge for credit will be £210.00 (based on a 30 day period) and the total amount payable will be £610.00.

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Mr Lender customer reviews.

5836 reviews

4.9 out of 5 stars

Very professional and able to speak in person
22:39 19-04-2018
ImageSmart Money People

Very professional and very helpful


Great customer service
17:31 19-04-2018
ImageSmart Money People

Prompt customer service,clearly spoken .excellent customer service response.


Easy & friendly staff
16:47 19-04-2018
ImageSmart Money People

It was easy and the staff member who phoned me was extremely helpful and friendly. I felt at ease the whole conversation. Excellent customer service skills.


Quick, friendly and efficient
16:26 19-04-2018
ImageSmart Money People

Very quick, friendly and no hassle at all. Highly recommended


Very easy process
16:03 19-04-2018
ImageSmart Money People

Friendly staff which makes life so much easier


Excellent process
15:32 19-04-2018
ImageSmart Money People

Excellent product and brilliant friendly telephone application


Perfect all the way through
15:17 19-04-2018
ImageSmart Money People

Application process was quick and simple all through, very happy

Joe Reynolds

Great service
15:12 19-04-2018
ImageSmart Money People

Very helpful answer all my questions


Simply Simple and Efficient
14:06 19-04-2018
ImageSmart Money People

Excellent customer service and tends to your needs with no fuss. Mr Lender offers options and simple solutions if any problems may arise. Definitely recommended.

Stephen G

13:54 19-04-2018
ImageSmart Money People

Absolutely fantastic experience, so easy to do and the advisor I spoke to was lovely! I would certainly recommend to all.


Our review of Mr Lender

One of the longer standing lenders in the high-cost short term credit space, Essex based Mr Lender offers both payday and short instalment loans of up to £1000 (£500 for first time customers). When taking into account price, Mr Lender advertise a Representative 431.4% APR. Whilst this might at first seem high, the interest you’ll pay is capped at 0.5% per day. As you pay off your loan the interest rates are recalculated based on your outstanding capital. Because of this the amount of interest and the size of your monthly repayments will reduce as you progress through your loan term.

If you're considering taking out a Mr Lender loan, the usual high-cost short term loan health warning applies: make sure you keep up with your repayments. Although Mr Lender do not charge for missed or late payments, they will show up on your credit file and make your financial life more difficult in the future. If you find yourself struggling to make your repayments make sure you let Mr Lender know as they have a reputation for being approachable and will work with you to limit the damage.

My verdict: Whilst researching this review I found multiple examples of Mr Lender being proactive about freezing interest and making borrower's lives easier when things went wrong - even before changes in legislation cemented that kind of conduct into law. Do bear in mind this a high-cost short-term product so do consider the alternatives before applying.

Written by: Mark


  • Online account management
  • No charge for missed or late payments
  • Quick online application form
  • Plenty of 5* reviews
  • Interest charged on a daily rate
  • Allow for early repayment
  • Customer focused

Minimum criteria

  • To apply for Mr Lender, you’ll need to be 18 years old
  • You must be in part or full time employment
  • You must be earning at least £600 per month (net)
  • You will need a bank account with a valid debit card


  • Maximum APR 1462.3%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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About Mr Lender

Mr Lender is a trading name of PDL Finance Limited. Based in Essex, Mr Lender provide high-cost short term loans of between £200 and £1000. Loans can be repaid over a period of 3- 6 months and are offered at an advertised Representative 431.4% APR or 0.5% per day.

In order to apply with Mr Lender you’ll need to be a UK resident between the ages of 18 and 65. You must be in either full or part time employment receiving a regular income of at least £600 (net) per month and you’ll also need a bank account with debit card too. If you have a less than perfect credit history you will still be able to apply for a Mr Lender loan but if you’ve had a CCJ, been on an Individual Voluntary Agreement (IVA) or have a history of Bankruptcy showing on your credit file within the past 3 years, you won't get accepted.

Mr Lender’s office is open between 08:00 until 18:30 Monday to Friday and 8:00 until 15:30 on Saturday and Sunday. Bank holiday hours are reduced to 09:00 until 15:00.

Company information

Registration number: 06738633


Sterling House, Suite 105W, Langston Road, Loughton, Essex

FCA registration

Reference No: 673310

Trading names: Mr Lender, PDL Finance Limited

Place of business: 6th Floor, 25 Farringdon Street, London, EC4A 4AB

Data protection registration

Registration No: Z1575177

Data controller: PDL FINANCE LIMITED

Address: 6th Floor, 25 Farringdon Street, London, EC4A 4AB

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Warning: Late repayment can cause you serious money problems. For help, go to