APR: 708% Representative
Loan amount: £200 - £1,000
Repayment duration: 3 - 6 Months
OPTIOSCORE 65.5/100 
Time to apply: 02m 56s
Mr Lender customer reviews

4.8 out of 5 from 3180 customer reviews

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Provider last seen: 1:39pm 4/11/2016
Product data last updated: 11:19am 3/7/2017
Customer questions answered: 0
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Representative Example: If you borrow £500 for 6 months at a Representative rate of 708% APR and an annual interest rate of 230% (fixed), you would pay 6 monthly instalments - payment 1: £179.33, payment 2: £163.33, payment 3: £147.33, payment 4: £131.33, payment 5: £115.33, payment 6: £99.35. Rate of interest 0.64% per day on outstanding capital. The total charge for credit will be £336.00 (based on 30 day periods) and the total amount payable will be £836.00.
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Mr Lender customer reviews

4.8 out of 5 from 3180 reviews

easy to use

19:20 17-08-2017

via Smart Money People

quick and easy to use , would recommend it to family and friends .

Dean Clark

It was quick and easy and responsibly

20:46 12-08-2017

via Smart Money People

I had no problems and kept up with repayments

Andrew Spain

Really easy and fast

14:17 11-08-2017

via Smart Money People

The member of staff I spoke to was polite and friendly, the process was short and simple. Would definitely use again if I was caougt in another sticky situation

Hannah Marven

Fast efficient service

19:02 31-07-2017

via Smart Money People

Got the money we needed, when we needed it. Simple application process.

Stephen Smith

Great service

23:07 27-07-2017

via Smart Money People

Easy to apply. Answered straight away. Happy to help if experience any problems. Would highly recommend.

Amanda waddington

Vxtrem good

18:01 25-07-2017

via Smart Money People

Very helpful and strait foward They look after costumer service is great

Dawn Amber Mcpeake

review of mr lender

16:53 21-07-2017

via Smart Money People

very quickly dealt with and also good friendly staff

aaron muirhead

Brilliant service

10:37 18-07-2017

via Smart Money People

They have helped me out of struggles and the staff are understanding and friendly if you do have trouble with one repayment date. Would always use in future as my first choice! 10/10


Very friendly, great customer service

08:14 18-07-2017

via Smart Money People

I have been treated right and I have found them very helpful


Quick & Easy

17:48 17-07-2017

via Smart Money People

I would never really refer anybody to a payday / quick loan, but these are quick and easy, very positive.


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 708% APR. Whilst this might at first seem high, the interest you’ll pay is capped at 0.64% 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.

Online customer reviews for Mr Lender are on the whole positive. A quick scan of their page on reviews.co.uk shows a high proportion of 5* reviews, commenting specifically on customer service and their quick application process.

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: By reputation, one of the better HCST lenders out there. 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 708%
  • 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 708% APR or 0.64% 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.

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Provider last seen: 1:39pm 4/11/2016
Product data last updated: 11:19am 3/7/2017