Mr Lender

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 1370 customer reviews

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Provider last seen: 1:39pm 4/11/2016
Product data last updated: 12:03pm 26/5/2017
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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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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Mr Lender customer reviews

4.8 out of 5 from 1370 customer reviews

Fantastic service

14:25 25-05-2017

via Smart Money People

So I was struggling and Debbie phones to see if everything's alright and it wasn't but with Debbie's fantastic knowledge she breezed through all the problems I had now Debbie you can tell has got great phone experience and her management should be rewarding her for going the extra mile whilst making it a personal experiance never to forget everything else was nice a smooth and would recommend highly !!!

Liam Doherty about Mr Lender

Great service

13:01 25-05-2017

via Smart Money People

Very helpful staff. Got help what I need it.

Liga Kadike about Mr Lender

Very helpful

11:20 25-05-2017

via Smart Money People

I spoke to Annalise and she went through the loan and application with me. She and Mr Lender we're very helpful and i would recommend them to anyone needing a loan.

Andy Webb about Mr Lender

No nonsense short term loans

21:05 24-05-2017

via Smart Money People

I always go to Mr lender in an emergency and I always get good sound advice. What I particularly like is you can pay your loan quicker if you want and you are not penalised on the contrary you can save so much off the interest. Very favourable rates, great staff and an excellent service .....

Krescia Ambrosio about Mr Lender

great helpful and professional staff

14:49 24-05-2017

via Smart Money People

Good customer service helpful polite and very understanfing

Thomas Mcdougall about Mr Lender

great helpful and professional staff

14:45 24-05-2017

via Smart Money People

Very helpful and great customer service

Thomas Mcdougall about Mr Lender


10:27 24-05-2017

via Smart Money People

After struggerling to find a loan for repairs for my car I was pointed to mr lender, they was excellent in helping me find what I needed and providing it! They have taken a very stressful situation and flipped it around thank you!

Jordan smith about Mr Lender

Very good service and very understanding

10:24 24-05-2017

via Smart Money People

Very helpfull when a little help is needed !

Paul Garratt about Mr Lender

Excellent service and very understanding

10:19 24-05-2017

via Smart Money People

Very helpfull when a little help is needed !

Paul Garratt about Mr Lender


19:29 23-05-2017

via Smart Money People

Was told everything in plain terms the agent was very Polite didn't make me feel like I was inneedof financial help and made the whole process very quick and painless , I would recommend mr lender to anyone who needed a quick cash injection , the interest mite be a little higher than a lot of lenders but they treat you like a person , without wanting to no every reason why you need a loan .

Paul salmon about Mr Lender

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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 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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