loan refund or pay

Lender Mr

You might be due a refund from Mr Lender Loans. if you took out one of their loans and got into debt due to the high cost of their interest and service, you need to hear this!

Our debt help guide is here to tell you everything you need to know about Mr lender and their short term loans. Don’t let this payday loan company get away with it and learn how to lodge your complaint in the most effective way!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel better tomorrow.

Mr Lender Loans UK

Is Mr Lender a Payday Loan?

Mr Lender is a payday loan company and a trading name of PDL Finance Limited. They provide short term loans, bad credit loans and instalment loans between £200 and £1,000 with a maximum repayment period of 6 months. You need to be a UK resident and approved for the loan within an application process. Lenders are required to check your credit file to make sure you are eligible for short term credit and can make the repayments required. You might have to pay a lot of interest when taking out their loans. 

You can find their website here!

Write off some of your debt

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

Is Mr Lender Safe?

Mr Lender is authorised and regulated by the Financial Conduct Authority (FCA). The FCA is strict on allowing companies to lend because it wants to protect residents from getting themselves into debt and problems. In this regards, Mr Lender is legally safe and not an issue to use. 

However, you should ask yourself if the loan rates that they are offering – such as 1,256% APR – are safe. I would argue not. If you take this loan out you could potentially put yourself in real financial trouble.

How Long Does Mr Lender Take to Approve?

Mr Lender is one of the fastest payday loans providers. Once you have been approved, they could transfer the funds to your bank account within one hour. Most successful applicants receive the money by the end of the same day or the next business day. 

Can You Have Two Loans with Mr Lender?

No, thankfully Mr Lender does not allow you to have two loans at once. We say thankfully because it can create debt problems for lots of people.

Is Mr Lender Payday Loans Good?

Mr Lender has one of the better online review profiles we’ve seen. If you HAVE to take a loan at this interest rate and you can’t find a cheaper deal, Mr Lender may be the payday lender to choose. Make sure to check your credit history before applying because you could be rejected if there is a mistake. 

How to Get a Short Term Mr Lender Loan

The Mr Lender application flow looks a bit old fashioned compared to some of the new players in the market. 

First, you land on their site and select how much you would like to borrow and how long you need to pay it back. You can have a play around with the sliders and it will tell you your projected repayment dates, the repayment amounts, and below that, total repayable (this is the important bit!).

Note that the APR you see on their calculator might not be what you get offered within the loan terms. There is usually a high cost to their loans, well above what is advertised (the best possible scenario!). 

Lender Mr

For example, if you borrowed £200 over 6 months, you would have to pay back £380!

When you click apply now, you have to complete lots of questions to proceed to the next step. 

I would expect that this is all the information they would need to make a decision AND pay out your money. Note that some other providers will collect the bare minimum, give you a decision and then ask for more information further down the line before paying out.

Not asking enough questions should be the first warning sign!

Lender Mr

Find your best debt solution (in 1 minute!)

debt solution

Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.

Do loan companies make it too easy to borrow money?

It is so easy to borrow from payday loans lenders. The web is crowded with companies that are happy to advance you cash within a few minutes without any serious credit checks. Many offer loans to those who have a “Very Bad Credit” history or who are already having difficulty repaying other loans.

Figures released by the Bank of England show that household debt is at record levels, with credit card debt increasing at its fastest rate in more than a decade.

The Financial Ombudsman Service has realised the problems and is sending out a warning to loans providers. People are getting payday loans into their bank account with not enough scrutiny, leaving them to pay the high cost of borrowing and get into serious debt.

Consequently, rules and regulations are in place to mitigate these instances and counter the many debt problems. 

Payday loans providers must:

  1. Do rigorous checks to ensure you can pay back the amount you borrow without payments causing debt and poverty. This goes beyond a quick credit file check and requires researching more about you.
  2. Adhere to caps regarding the amount they can charge for default fees (£15) and the daily total fees (0.8%). Moreover, they cannot make you pay more than 100% of the money you borrowed ever. 
  3. Not take repayments directly from your bank account without notice to cause money problems. And they must not take partial payments to clear your account when you cannot pay the full amount owed (unless you authorise them to in advance). 

Can I Get a Mr Lender Loan Refund?

The Financial Ombudsman Service (FOS) received 10,529 new complaints about loans and new credit card products in the 2016-17 financial year. One of the big names to hit the headlines because of irresponsible lending was Wonga. 

If you think Mr Lender has violated any of the three aforementioned regulations, you can make a complaint and claim a refund. We help you to do this in our dedicated claim a loan refund guide. This article can work when claiming money back from other lenders too. It even comes complete with free letter templates so you can make your claim with professional terms. 

The address to send your refund claim letter is on their website contact details section and at the end of this post. 

Make sure to request your refund within six years of paying it off or you might run out of time to lodge your complaint and get your money back. 

If you have a separate issue and want to complain about Mr Lender for other reasons, you can use this guide where we explain how to direct your complaint to the Financial Ombudsman Service. You can also use this guide to raise an issue about credit card debts, PPI payments, harassment and other bad conduct.

Mr Lender Short Term Loan Reviews


4 out of 5 stars (4 / 5)

Online reviews can give you a good feel for the company, but remember to always be sceptical. Other companies have been known to fake the reviews or only encourage happy customers to leave feedback.

Trustpilot: 9.6/10

Feefo: 4.8/5

The good:

“Excellent customer service provision, particularly from Duriye who handled the final part of my application with care, kindness and professionalism. It was a pleasure to iron out the details with her.

Duriye also kindly provided advice on how to best manage my repayments, which I thought was extremely helpful.

The whole process was quick and stress free so I would recommend this company to anyone.

Thanks Mr Lender! 

From a satisfied customer….Phil”

The bad:

“I would firstly start by encouraging you not to use a loan company. From my experience they are all the same, sharks who take advantages of [those] who are desperate and unfortunately fall into the trap of a high interest loan. 

I have been at the mercy of companies like this for the last 2 years and I am now working endlessly to free myself from their trap.

I found Mr Lender to be the biggest wolfs among them all. They have so many fine print terms and condition it is impossible to keep up. 

A couple [of] days before [the] money was due out today I called with the view to making a capital payment towards the rest of the loan by £60. I was then told I can only make a capital payment of 30 as the remaining balance on the account isn’t of sufficient value for them to be charging daily interest. This response shocked me, they refused a bigger capital payment so they can have a greater value left on the account to charge capital, it seems like dirty business move. 

Mr Lender Loan Phone Number

Company information

Registration number: 06738633


Sterling House, Suite 105W, Langston Road, Loughton, Essex

FCA registration

Reference No: 673310

Trading names: Mr Lender, PDL Finance Limited

Place of business: 6th Floor, 25 Farringdon Street, London, EC4A 4AB

Data protection registration

Registration No: Z1575177

Data controller: PDL FINANCE LIMITED

Address: 6th Floor, 25 Farringdon Street, London, EC4A 4AB

What If I Can’t Afford to Pay Mr Lender?

There will of course be times when Mr Lender did the proper due diligence and gave you credit in line with the law. And some of these loan recipients will experience unforeseen circumstances, such as a loss of employment.

If you cannot afford to repay the loan, there are some things you can do. 

First, share and update your situation with Mr Lender. Make sure they understand your issue and what you can currently realistically afford to repay. 

You might need help from our budgeting guide to work this out. 

Mr Lender should then offer to adjust your payments and possibly freeze interest while you get back on track. If you do not come to an agreement, you might want to look into other debt solutions.

Some people may consolidate loan debts to make them more affordable over the short term. While others may use a formal debt solution, such as a Debt Relief Order, Individual Voluntary Arrangement or something else.

What Are Mr Lender’s Contact Details?

You can call Mr Lender on 0208-532-1969 seven days per week. They are even open to speak with customers on bank holidays. You can use this number to discuss lowering your repayments and any other enquiries. When you call you must first give your name and then your reference number – so make sure you have this to hand when you call.

You can also write to them at Mr Lender, PO Box 366, Loughton, Essex, IG10 9EW and they have an FAQs section on their contacts details website section, which could save you time. They do not list an email address on their website and do not have an active Facebook account for customer service either. 

Free Debt Advice for Payday Loans Problems

If you do have materialising debt problems because of payday loans, we strongly recommend getting in touch with one of the many amazing debt charities in the UK. Head to the Step Change website to speak to an online advisor or pick up the phone to the National Debtline charity. 

We have broken down the best debt charities so you get the best free debt advice. These charities are also regulated by the Financial Conduct Authority, and you can trust them to have your best interest in mind. 


CONC 2.1 Application

CONC 5.2A Creditworthiness assessment

CONC 13.1 Application

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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