Mr Lender

APR: 431.4% Representative
Loan amount: £200 - £1,000
Repayment duration: 3 - 6 Months
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Mr Lender customer reviews

4.9 out of 5 from 5044 reviews

Excellent quick service

12:55 04-02-2018

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Fast communication Excellent service nice helpful ppl Happy



16:24 07-12-2017

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very helpful and quick sever really helpful

Derek Brown

Great help to me when I needed it

08:15 05-11-2017

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I can recommend Mr Lender whole heartedly IF you need them, like all lenders the interest isn’t nice, however they do send out promotion offers that tend to beat the leading lenders, if you are in a position like I was they are very handy. I also like the personal experience you receive as they call you on every application. I was declined on another occasion even having used their service a few times, I believe they follow the FCA regulations very well. They respond quickly and always friendly too.

Kerry Hammerton

Always helpfull

20:29 21-10-2017

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You have always accepted me paid on time good interest too

aaron Bradley feek


16:33 03-10-2017

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Good for short term but can be messy if u don’t pay


Easy and user friendly

18:46 29-08-2017

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It was easy to get loan . No long applications and funds were transferred into account straightaway


Excellent service

10:55 27-08-2017

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Absolutely excellent not get a better service anywhere else


Great fast service

11:20 24-08-2017

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Very helpful and understanding. Very fast and great service.

Karrie baldry

Excellent service

11:16 24-08-2017

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Very fast and helpful. Would definitely recommend.

Karrie baldry

Making people happy

13:03 18-08-2017

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Quick service! No hassle! Really helped me get back on my feet after a recent handbag was stolen with all valuable items inside. I would definitely recommend this service. !


Our review of Mr Lender

Our review by Mark
Written by: Mark
Consumer sentiment


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.


  • 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.

This profile has been claimed
Provider last seen: 1:39pm 4/11/2016
Product data last updated: 10:04am 8/3/2018
Warning: Late repayment can cause you serious money problems. For help, go to