Fintern is now Abound

Going forward, all new loans will be Abound loans.

Our affordable loans just got even better.

We've made applying for a loan easier, getting a decision quicker and understanding how our loans work clearer.
Go AboundFintern Customer?
I'm a Fintern customer, do I need to do anything?
You don't need to do anything differently.
You can still manage your loan and make repayments directly from the Fintern app
You'll notice the statement reference for your repayments will change to "Abound by Fintern"
Your terms and conditions haven't changed

We're always here to help.If you have any questions or concerns you can get in touch with us via webchat here, or give us a call on (+44) 020 3443 8881

Easier applications

We realised that making people download an app to apply for a loan just complicated things. Now, you can apply directly from our website on your phone or laptop without having to download anything.

Quicker decisions

We've also built a new platform that lets us make more decisions instantly. When it can't, it makes our underwriters' lives easier by giving them all of the information they need to make a quick decision. Better decisions mean we can offer more customers better rates.

Loans made for you

Some lenders only look at your credit score. We look at the full picture – what you earn, how you spend, and what's left at the end. We continue to focus on better understanding our customers and making fair decisions.

Clearer messaging

We want to deliver an experience where everything is clear whether you're applying for your first loan or you've done it before. To do this we've stripped out as much jargon as possible

About us

Consumer lending is broken. Our mission is to fix it.
Fintern was founded to offer low-cost, fair and flexible lending solutions which serves borrowers interests and their long-term financial health.

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.

‍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
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
Abound 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