Consumer lending is broken. Our mission is to fix it.

Borrowing reinvented, showing 3 screens in the open banking powered Fintern loan journey
Over 15 million people in the UK struggle to borrow for unexpected costs.

We are often rejected for loans by high street banks, forced to borrow at ridiculous rates on credit cards, or get ripped off by high-cost lenders. We get trapped in endless debt-cycles.

Traditional lenders profits at their customer's expense. They seek to maximise borrowing, and keep people in a debt cycle servicing high interest payments. 1-in-4 people in the UK routinely make only minimum payments on their credit cards, meaning they will take more than 10 years to clear their debts even with no new spending.

There is another way

Fintern was founded to offer low-cost, fair and flexible lending solutions which serves borrowers interests and their long-term financial health.

The UK consumer finance market …
Consumer finance loans, excluding mortgages
1 in 4
UK adults can only make minimum repayments on their cards
Feel highly confident in managing their money
… is poorly serving millions of hard workers
Unmet demand from mainstream banks
Simplistic eligibility rules exclude worthy borrowers from affordable personal loans

Customers use unsuitable high cost products (e.g. revolving cards)
Poor value for money from specialist providers
High and unfair interest rates of 30 – 1000%+ from specialist providers
Debt spirals which benefit from customer failure
Incentives to maximise customer borrowing, keeping them in a debt cycle servicing high interest payments and charges, causing financial distress
No support for long-term financial health management
Lenders do not help customers to structure debts to minimise interest costs based on affordability and establish a financial health pass
Poor customer experience
Lengthy application processes and manual data inputs creating painful customer journeys
That's why we're here!
We put your long-term financial health at the core of everything we do.

We apply Artificial Intelligence to smartly analyse your live financial data, which is mostly ignored by other lenders. This allows you to qualify for low cost loans, and for us to help you define an affordable and sustainable repayment plan.

Our loans are based on how much you can afford to repay every month. We show you the range of repayments you could afford, based on our analysis of your transaction data. We also show you how much your total borrowing costs will reduce if you increase monthly payments and repay faster. Small increases in repayments can massively reduce your total costs.

The actual repayment amount is always your choice, and you can change the amount at any time (fees and conditions apply).
How is Fintern different to the traditional lenders?
Traditional lenders only rely on credit scores which:
╳ Don't assess your actual income and expenses
╳ Offer no details on nature of spending
╳ Ignore borrowers' forward looking potential
╳ Overly penalise historical credit problems
╳ Exclude people with limited credit history
╳ Are unable to identify savings

Fintern takes a holistic look at your whole financial situation including:
✓ Up-to-the-minute financial transactions
✓ All income and expense details
✓ Full earnings (salary, benefits, transfers, pension, dividends, etc)
✓ Insights of spending nature (essential vs. controllable)
✓ Ability to lower borrowing cost with a more accurate view of monthly affordability
✓ Relevant credit information - existing credit commitments, CCJs and repayment patterns
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