Company profile:

Mr Lender

1248.5% Representative
Loan amount:
£200 - £1,000
Loan term:
3 - 6 Months
51.2/100  Read our review
Time to apply:
02m 56s - OK
An application with Mr Lender takes roughly 02m 56s seconds to complete. We think this is OK.

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Representative Example: If you borrow £500 for 6 months at a Representative rate of 1,248.5% APR and an annual interest rate of 292% (fixed), you would pay 6 monthly instalments - payment 1: £203.33, payment 2: £183.33, payment 3: £163.33, payment 4: £143.33, payment 5: £123.34, payment 6: £103.34. Rate of interest 0.80% per day on outstanding capital. The total charge for credit will be £420 and the total amount payable will be £920.00.

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 1248.5% APR or 0.8% 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 No:
Sterling House, Suite 105W, Langston Road, Loughton, Essex

FCA Registration

Reference No:
Trading names:
Mr Lender
PDL Finance Limited
Place of business:
6th Floor, 25 Farringdon Street, London, EC4A 4AB

Data protection registration

Registration No:
Data controller:
6th Floor, 25 Farringdon Street, London, EC4A 4AB

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Customer reviews

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Expert review of Mr Lender

Our review by Mark Mark
Features 74.4
Simplicity 37.2
Consumer sentiment 30.4
Total OPTIOSCORE 51.2/100

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 1248.5% APR. Whilst this might at first seem high, the interest you’ll pay is capped at 0.8% 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.

Top choice for

  • 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

Watch out for

  • High-cost short term product
  • You do not need a perfect credit history to apply but you will not be accepted if you have a history of bankruptcy, have CCJs or IVAs on your credit file

Fees & charges

  • Maximum APR 1248.5%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment penalties: £0

Review Mr Lender

Customer service

Warning: Late repayment can cause you serious money problems. For help, go to

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