iPhone Screenshots


Fintern offers personal loans of £500 - £5,000 in the UK, with a loan duration of up to three years. Representative 18.8% APR (variable) on loans. Maximum APR offered 18.8%.

Fintern is a different kind of consumer lender. Our mission is to massively increase access to low-cost, fair and flexible loans in the UK. We are doing this by taking a different approach to lending. We connect the dots in your live transaction data, ignored by traditional lenders, so we can offer more people low cost loans. We instantly give you an accurate view of how much you can repay monthly, and show you how to lower borrowing costs.

- 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.

- Based on you, not your credit score: Loans are based on how much you can afford to repay every month. We don't exclude people with 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. Fees and conditions apply.

Representative Loan Example: £2,000 loan repayable over 36 months. 36 monthly payments of £71.65. Rate of interest 18.8% p.a. (variable). Representative 18.8% APR (variable). Total amount repayable £2,579.40. Credit is subject to your individual financial circumstances and borrowing history. Failure to keep up with repayments may impact your credit score and therefore your ability to access credit from other lenders in the future.

Please see our privacy policy for further details of how we use our customers' data: https://fintern.ai/privacy

Fintern is authorised and regulated by the Financial Conduct Authority, firm reference number 929244

What’s New

Version 1.4.14

We've been working our socks off enhancing features and making performance improvements to ensure this latest version of the app is the best one yet, so it's easier than ever for you to get an affordable loan tailored for you.

Ratings and Reviews

4.3 out of 5
80 Ratings

80 Ratings

ChrisNeedsALoan ,

Clever app

Nifty little app this.
I was really impressed with the seamlessness of the open banking connectivity - it easily brought through my data - and the analytics it then assembled were quick and informative. I also liked the Design My Loan page - it’s just really transparent, allowing me to adjust how much I want to pay and see the impact on the total amount over the full term.
I notice other older reviews implying clunkiness of the app but I think there must have been a lot of work done on it because I found it fast and really easy to use. Good job Fintern on helping me connect and analyse my finances and quickly and easily pass through the loan application process.

Kapica6105 ,

Couldn’t be happier with Fintern

I applied for a loan earlier this week, within 2 days had a response, a phone call to discuss the monthly payment I selected, and received the money that same day. While the app is quite buggy and sluggish, I do understand its newly launched so the design and usability of the app isn't the highest priority at the moment, and will improve with time. Definitely recommend, it helped me budget my finances so much better now.

Rob Aihe ,

Love the vision, but poor execution / risk assessment model

I think the app has tons of potential and I love the mission, but is still very clunky and not overly straightforward.

I’m one of their ideal target demographic (under 30 with a good job/career in the City of London), but have struggled to find credit below an APR of 30% due to a thin file.

I didn't get an offer due to my 'low affordability' (which I am not sure how they calculate), so I can't comment on the rest of the App journey (which could well be excellent).

The main hassle I found for customers like me is that I want to be able to find a quick quote via the internet and ideally not have to spend the extra time downloading and setting up a new app to get a binary yes/no response. Would recommend maybe having a quick online quote option on the website and then if you want to access the loan, the customer will be prompted to download the app.

Hopefully some helpful comments for next time and I wish the Fintern team all the best - its a solution that is sorely needed in the UK!

Developer Response ,

Dear Rob

Thank you for the feedback, it is very helpful. We'd love to chat to dive into your situation a bit more if that's okay, you can reach me on jacob.parker@fintern.ai, looking forward to hearing from you!

App Privacy

The developer, Fintern, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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