Mr Lender

9437 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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Mr Lender customer reviews.

9437 reviews

4.8 out of 5 stars

Quick, well explained, trustful service
19:27 21-09-2018
ImageSmart Money People

I have used mr lender on many occasions and every time I have been completely impressed with the service. The application is fast and well layed out. You get all information emailed to you so you can have a record and they send you your instalment broken down by capital and interest. I would recommend to mr lender to all my friends and family as it is the most trusted reliable service I have ever used.


Always helpful
16:54 13-09-2018
ImageSmart Money People

Always really helpful and great customer service, give you the chance to pay intrest only if struggling to repay and always looking out for your best interest


Nice customers service
18:41 31-08-2018
ImageSmart Money People

Great customer service and clear information

Nina Wojciechowska

Great service. Very helpful .
14:00 22-08-2018
ImageSmart Money People

Very helpful. Quite flexible too.

Girish Gopalakrishnan

Great service
15:25 04-08-2018
ImageSmart Money People

Very fair terms, quick deposit & easy to talk to on the phone


very good service
09:41 02-08-2018
ImageSmart Money People

very help team and help u so much

Derek Brown

Great help
07:31 23-07-2018
ImageSmart Money People

They have been really helpful when I was needing a loan

Allison Scott

Great company
20:31 20-07-2018
ImageSmart Money People

Every helpful and the company keeps you update every step of the way.


Good service and also very quick and easy
15:42 18-07-2018
ImageSmart Money People

Always putting me as a customer first also very quick and mainly there acceptance level as a lender is fab. I would definitely and have recommended to many people I know when in need of a quick easy straight forward loan..... ;)


Fast and reliable
18:55 13-07-2018
ImageSmart Money People

Simple and straightforward application and fast transfer of funds.

Darren Reid

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