FINTERN | Affordable loans

Borrowing.
Reinvented.

Affordable loans based on you,
not just your credit score

Loans of £1,000 - £10,000
Loan duration up to three years
Representative 18.8% APR (variable)

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Download the App to apply

Almost there! Connect your bank and get a personalised loan quote

Affordable loans
based on you,
not just your
credit score

Loans of £1,000 - £10,000, with loan duration of up to three years and a representative 18.8% APR (variable)

Use your data to
borrow for less

We give low-cost loans because we analyse your financials smartly to allow you to qualify for low rates.

Affordable loans based on you,
not just your credit score

Loans are based on how much you can afford to repay every month. We don't exclude people just because they have limited or poor credit history. Instead we help you define a sustainable repayment plan.

Enjoy unrivalled flexibility

You have full control and can easily change your repayment plan at any time if your circumstances change.

As seen in

How Fintern works

Let David show you how Fintern worked for him and his family, step by step

Life's full of surprises,
good and bad ones

This morning David's boiler exploded. He needs an extra £2,000 ASAP to get it fixed and stop taking cold showers.

But he has no spare cash, and is worried about borrowing on his credit card.
David finds it painful and expensive to borrow from traditional lenders

Long application processes
Rejections based on credit reports, even though he can afford repayments
Eye-watering interest rates
No interest in his financial wellbeing
David chooses Fintern because it's different

Low interest rates
Decision based on how much he can afford to repay
Clearly show him how much he can save by repaying loan faster
Apply online in minutes
No exclusions for limited credit history
Fintern directly request info from David's banks to check how much he can afford to repay

Fintern analyses David's transactions, and suggests a monthly repayment range
Data is shared using Open Banking with your permission, which is safe, secure and approved by all banks
David sets his payment amount, which instantly links to his total borrowing cost & time to repay

David can easily explore how small increases in repayments can significantly reduce his borrowing costs
David's loan is approved instantly, and he joins the Fintern Community

The money will be in his account within 48 hours
David enjoys unrivalled flexibility in managing his borrowing and repayments - he can make changes in his repayment amount at any time

Features designed around you

Income & Spending analysis

Clearly show you how much you can afford to repay using the up-to-the-minute info.

Personalised loans

You define how much you want to pay back each month. Fintern shows you immediately how much you can save by paying more each time.

Open Banking connection

We connect to all major banks instantly and safely. No lengthy forms to fill in

Flexible loan management

Take a payment holiday, change your repayments, or pay back early at any time

Why is Fintern different?

Affordable

Fintern charges a low 18.8% APR (variable), and also works smartly to help you to minimise the total borrowing cost.

Sustainable

We first check how much you can afford to repay using your financial data. It helps to lower borrowing cost and pay off loans sooner.

Flexible

You remain in full control of all decisions, and can change your payments at any time. No penalties for paying us back early.

Easy

Apply in minutes!
No lengthy forms to fill in.

Registered Office:
Fintern, 3rd Floor
86-90 Paul Street
London EC2A 4NE
United Kingdom

Webchat: click here
Telephone: (+44) 020 3443 8881
Email: contact@fintern.ai
Opening Hours: Monday - Friday: 9:00 -17:00

About Fintern

Legal

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© All Right Reserved. Fintern
Fintern Ltd is registered in England & Wales No. 12472034
Fintern is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 929244
Fintern LTD is a member of Cifas – the UK's leading anti-fraud association, and we are registered with the Information Commissioner's Office in compliance with the Data Protection (Charges and Information) Regulations 2018 under registration ZA747930. See our privacy notice for further details of how we use customers' data.