Fintern - Borrowing Reinvented 17+

Affordable loans based on you


Designed for iPhone

    • 4.7 • 486 Ratings
    • Free

iPhone Screenshots


Fintern offers personal loans of £1,000 - £10,000 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 £71.66. Rate of interest 18.8% p.a. (variable). Representative 18.8% APR (variable). Total amount repayable £2,579.56. 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:

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

What’s New

Version 2.0.8

In the latest version we’ve been busy making some important updates and bug fixes to keep the Fintern App features running smoothly.

Ratings and Reviews

4.7 out of 5
486 Ratings

486 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.

Raul_gp ,

Loan application

Although I havent had a response yet, the application process is by far the easiest I have ever encountered. The fact that it connects directly to the bank via app saves a lot of hassle with statements and everything. Also built in feature for ID photo which helps a lot. Really like the idea of the selfie video to prove that youre the person that is actually applying for the loan. Overall experience beats any other service I came across by far. Definitely recommend!!!

RachelOgs ,

Quick, Easy and Informative

I would give this 5 stars but some of the UI was tricky to navigate.

In terms of the product this is amazing. Informs you about your eligibility and affordability with information that is super helpful for adjusting my spend. Quick and easy funds and it’s amazing for people who, like me, we’re financially illiterate at a point ans mistakenly used credit cards for long terms loans in the past. I’ve been looking to get my house in order and consolidate my loads and despite my income my credit score has made it hard to do that. Fintern makes it so easy by looking at the individual and assessing from there.

Would highly highly recommend.

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

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