Mr Lender

7399 reviews

425.3% Representative

Will lend between: £200 - £1,000

Over: 3 - 6 Months

Representative example: Representative Example: If you borrow £300 for 6 months at a Representative rate of 425.3% APR and an annual interest rate of 182.5% (fixed), you would pay 6 monthly instalments - payment 1: £95.00, payment 2: £87.50, payment 3: £80.00, payment 4: £72.50, payment 5: £65.00, payment 6: £57.50. Rate of interest 0.5% per day on outstanding capital. The total charge for credit will be £157.50 (based on a 30 day period) and the total amount payable will be £457.50.

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  • Quick 40 second form.
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Mr Lender customer reviews.

7399 reviews

4.9 out of 5 stars

Quick & Easy
17:47 11-06-2018
ImageSmart Money People

From start to finish, very quick and a response within a few seconds. Easy to apply. And very good rates. Will definately be using again.


17:21 11-06-2018
ImageSmart Money People

Had a guy named Jermaine his customer service was excellent and explained things really well, customer service was 5*

Rommel Simpson

16:51 11-06-2018
ImageSmart Money People

Very good helpfull towards what I was asking


Fast service polite advisor
15:14 11-06-2018
ImageSmart Money People

Fast efficient service courteous agent

Andy jones

Fast service polite advisor
15:12 11-06-2018
ImageSmart Money People

Was an easy process the customer service agent I spoke too was courteous and very clear explaining all the steps required for my loan

Andy jones

quick easy and great customer service
15:12 11-06-2018
ImageSmart Money People

the application was quick and easy and the customer service was great


Quick simple and effective personal review
14:36 11-06-2018
ImageSmart Money People

Staff were very helpful and made the end user fully aware of the agreement.


14:06 11-06-2018
ImageSmart Money People

Paul was easy to talk to and he was very helpful


Brilliant service
14:00 11-06-2018
ImageSmart Money People

Savannah who dealt with my claim was brilliant!! Amazing staff


Brilliant team
13:36 11-06-2018
ImageSmart Money People

They helped me understand the questions I needed help with due to my dislexiya very great team and very helpful

Jonathan marshall

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 425.3% 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 425.3% APR or 0.35% 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