FROM 10 – 25% APR

You only get one life so we’re determined to make yours brighter.
You’re unique and we love that!

Representative APR: 13.99% Representative Example: Borrowing £5,100 over 48
months at an interest rate of 13.99% p.a. (fixed), you will repay 48 monthly payments
of £139.37 per month. Interest Payable £1,589.76. Total Repayable £6,689.76.


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I want to borrow
For how long
1 year and 0
1 year
2 years
3 years
4 years
5 years
Monthly payment:
Fixed APR:
Total repayable:
Total interest:


Simple, fast end-to-end process
The application process is quick and hassle-free and we aim to give you a decision within 24 hours.
Fully flexible, with no hidden costs or fees
Choose your repayment date, no hidden fees, settle early without penalty or additional interest.
Financial wellbeing and educational tools
Your financial situation can have a big impact on your mental health. That’s why we’re committed to improving your financial wellbeing.
Great customer care
We’re not a typical lender, we’re dedicated to supporting you through life's ups and downs.


How do I apply for a Plend loan?

Just use our loan calculator above to select your loan size and length. Then click the 'Get Quote' button to start the process.

Am I eligible for a Plend loan?

If you are 21 or over and have had an active UK bank account with open banking access for a minimum of 3 months, you can apply for a Plend loan. We will do our best to support you, but approval is dependent on several assessment factors after you submit your application.

Can I cancel my loan agreement? Is there a Cooling off period?

You will have a right to withdraw from the Loan Contract without giving any reason and by giving verbal or written notice of the withdrawal to us (on behalf of the Lender) within the fourteen (14) calendar days starting on the day after you sign it. If you wish to exercise that right to withdraw: You can notify us in writing by email at You must repay the whole loan amount (including interest charged to Plend Limited) within thirty (30) days of providing your notice of cancellation, failing which you will be deemed to have changed your mind and will continue your loan term.

Will applying for a Plend loan affect my credit score?

It won’t be affected if you ask us for a free quote to see if you qualify, however your credit score could be affected when you are approved for a loan.

When borrowing money, what are my responsibilities?

You must make your payments on time. We collect repayments using Direct Debit, so you won’t have to do anything except make sure there’s enough money in your bank account. You will also need to ensure you have a plan in place should your financial circumstances change.

What are the risks from borrowing from Plend?

The general risk of borrowing with us is the same as the risk of borrowing from any other provider. You will need to consider if the repayments are affordable for you on a monthly basis. You will also need to ensure you have a plan in place should your financial circumstances change.

Once I have submitted my application is there anything else I need to do?

Our credit team will be in touch if they require any more information from you, but if you have already provided this or have not been asked to provide any more information, then nothing else is needed at this time.

What if my bank provider is not listed on open banking?

Unfortunately we can only provide loans to customers who have a bank with open banking access. Most banks allow open banking access, if you are still unsure please check the latest list here -

What is open banking? and why do people use it?

Open banking is a banking practice that provides third-party financial service providers open access to consumer banking, transaction, and other financial data from banks and non-bank financial institutions through the use of application programming interfaces (APIs). You are in control and provide us with the access through the use of Plaid (for more information, click here). Open banking is designed to be safe and secure, it’s regulated by the FCA and uses bank-level security. With open banking and it’s data, customers are able to receive new offers and products more suited to their financial position right now. Because of this, there are currently over 4.5 million regular open banking users globally.

Can I use open banking if I don’t use online banking?

No. To use open banking, you need online or mobile banking for your payment account.

Is open banking safe?

Open banking has been designed with security at its heart – here’s how: Bank-level security – open banking uses rigorously tested software and security systems. You’ll never be asked to give access to your bank login details or password to anyone other than your own bank or building society. It’s regulated – only companies regulated by the FCA or European equivalent can use this technology. You’re in charge – you choose when, and for how long, you give access to your data. Extra protection – your bank or building society will pay your money back if fraudulent payments are made. You’re also protected by data protection laws and the Financial Ombudsman Service.

Is Plend Regulated?

Yes, Plend is fully authorised and regulated by the Financial Conduct Authority (FCA) FRN 963328.

Who is Plaid?

Plaid is the open banking partner that we use to access your financial information so we can better understand your financial situation and offer you a more affordable loan. You can read more about Plaid here.