If you're an existing Fintern customer, don't worry, you don't need to do anything differently. You can find out more here.
To apply for a loan, simply click the button below.
Apply for a loan
Borrowing. Reinvented.
Affordable loans based on you, not just your credit score
Loans of £1,000 - £10,000 Loan duration up to five years Representative 25.8% APR (variable)
Affordable loans based on you, not just your credit score
Loans of £1,000 - £10,000, with loan duration of up to five years and a representative 25.8% APR (variable)
Fintern is now Abound
To apply for a loan, simply click the button below.
Apply for a loan
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.
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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 25.8% APR, 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.
Fintern is now Abound
To apply for a loan, simply click the button below.