Contact Mr Lender

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Mr Lender is a leading UK-based short-term credit provider. We help people by providing instalment loans, an alternative to payday loans between £{{ viewModel.placeholders.newLoanConfig.MinLoanAmountStr }} and £{{ viewModel.placeholders.reLoanConfig.MaxLoanAmountStr }} to be repaid in a period from three to six months.

As a responsible lender we are committed to providing a clear, trustworthy service to our customers. We pride ourselves in providing simple and straightforward access to money and great customer service.

Firstly, select how much money you'd like to borrow by moving the slider to the desired value.

Next, choose the number of months you want to repay your loan over.

Then tell us your pay frequency and once you've done this, you'll see the payment instalments clearly shown, telling you how much is due on which date(s).

If you're happy with the instalment amount(s) and total cost of the loan, just click the 'Apply Now' button to proceed.

All applications can be made through the Mr Lender website by visiting the home page.

Here you can choose the amount you wish to borrow and the number of months you wish to take the loan for.

If it's the first time you have borrowed from Mr Lender, we may be able to lend you up to £{{ viewModel.placeholders.newLoanConfig.MaxLoanAmountStr }}.

If you have borrowed with us in the past, you may be eligible for up to £{{ viewModel.placeholders.reLoanConfig.MaxLoanAmountStr }} - £1,500.

To apply for a loan with Mr Lender, you must be a UK resident over the age of {{ viewModel.placeholders.minAge }}.

You must be employed* and have a regular income of at least £{{ viewModel.placeholders.minIncome }} (net) per month and have an active mobile number, personal email address and own a valid debit card that is linked to the bank account that you would like us to transfer your money into.

Unfortunately, we are unable to confirm if your loan will be approved before you apply.

All applications are subject to and , and not everyone who applies will be offered a loan or the amount applied for.

However we will always do our best to help.

Once your loan has been approved with Mr Lender, funds will reach your account between 1-2 hours however it is usually much sooner than this.

Once you have applied for a loan with Mr Lender, you will receive an email and SMS with a link to your contract which can be accessed via Phone or Computer.

It's important that you read and understand your contract before agreeing to the terms of the loan and if you do have any questions, our Customer Service team will be happy to help.

We try to keep the loan application process as paperless and hassle-free as possible so in most cases, there is no need to send any documents to us via post or email.

However, in some cases where application information can't be verified, we may get in touch to request supporting documentation.

As a responsible lender, we only allow our customers to have one loan at a time so if you have an outstanding balance, you will need to repay this first before we issue you with a new loan.

Once your current loan has been settled in full, you can re-apply for another loan by contacting us with the loan amount you wish to apply for or alternatively, logging onto your Mr Lender account page.

All applications, including reloan applications are subject to and and are not guaranteed.

So even if you have had a loan with us in the past, you may not be eligible for another loan now.

We are not able to fund everyone who applies with us however you are able to try again in the future should you wish online or by emailing [email protected].

A summary of the cost of borrowing is provided to you when:

  • You settle the balance of your loan with us; or
  • Your account with us is closed because of default or ; or
  • Three months have passed since you last made a payment to us and we have not closed your account.

With a Mr Lender loan, your monthly payments will decrease as you progress through the term of the loan.

The amount you borrow is split equally over the term and interest is daily on your remaining capital.

This means the interest you pay will reduce with each instalment payment that is made.

Yes, you can. You can repay your loan in full or make a partial payment at any time by contacting a member of our Customer Service Team.

Yes you can. You have 14 days from the date of the loan being issued to withdraw from your loan agreement with Mr Lender.

Once you have informed us that you wish to withdraw, you then have a further 30 days to settle your account.

Please note: Until payment is received, interest will continue to be charged on the remaining at your contractual rate.

An interest only payment allows you to pay the interest only as a one off if the full instalment payment you have due isn't affordable for you that month.

Full terms and conditions for Interest Only Payments can be found here

If your payment date has changed for any reason please contact us using the contact us button below or calling a member of our team.

We will attempt to collect your payment automatically on the agreement repayment dates by Continuous Payment Authority (CPA).

We also accept payment via Bank Transfer, Cheque or Streamline payment.

If you find your circumstances have changed and you may not be able to make the required repayments on the confirmed due dates, please use our contact us form below to inform our team as we will always try to help find a solution for you.

If your payment fails and we don't hear from you, we will make attempts to contact you by a variety of methods including telephone, email and SMS that we hold on your account.

If you miss any of your agreed payments and payment is not received on your due date, you will continue to interest on the outstanding balance at the rate on your agreement until the date payment is received.

If you don't respond to our attempts to contact you or if we cannot agree a reasonable outcome, we will pass your account to a third-party collections agency, but we hope you will work with us to resolve the situation before this action becomes necessary.

The Representative APR is the highest APR (Annual Percentage Rate) at which at least 51% of loans made through advertisements are written at. The display of this APR is prescribed by regulations.

This means that you can be sure that Mr Lender is being transparent in showing you, in terms of the APR, a percentage that is representative of the loans made.

The reason the figure is so high is due to the fact an instalment loan normally lasts between 3-6 months, but to express the cost as an Annual Percentage Rate, the interest is shown as what it would cost if the loan were being taken for a year, which increases the percentage dramatically.

Should you wish to confirm your Mr Lender Reference number, please contact our Customer Service Team by clicking on the 'Contact Us' button below and entering the details in the box.

Alternatively, you can also contact us via LiveChat.

To update any of your personal details please click on the ‘contact us’ button below and enter your details in the box. Alternatively, you can contact us via LiveChat.

If you are entering into any type of Debt Management, please make us aware as soon as possible by emailing [email protected] with the company you are entering a DMP with along with your reference number.

We are legally obliged to send you this notice to inform you that you are behind on your instalments as outlined in your consumer credit agreement at the time the loan was issued.

However, you do not have to do anything if:

  • You have already contacted us regarding your account
  • You are in an , , or are going through
  • You have a Repayment plan in place with us

Yes, it will affect your credit history. When you repay a loan with us, your credit history is updated to confirm that you have repaid your debt.

However if you do not pay back a loan this will also be reflected on your credit history.

If you have a complaint about our service then you should contact us by clicking on the 'Contact Us' button below and entering the details in the box. We will acknowledge your complaint within five working days.

Need further support?
You can contact a team member by clicking on the button below

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Call 0208-532-1969


Postal Address
Mr Lender, PO Box 366,
Loughton, Essex, IG10 9EW

Our offices are open:
Monday to Friday: 8:00am - 6:30pm
Saturday / Sunday: 8:00am - 3:30pm
Bank Holidays: 9:00am - 3.00pm
Mr Lender - Contact Us About Your Payday Loan