Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk
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How does it work?

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Fill in our easy online application

It only takes minutes to complete, and all credit types will be considered

Start here Am I eligible?

e-Sign your agreement & receive your funds

Once a match is found, you will be presented with your no obligation offer

We'll provide an instant quote

Loan Funds can be in your bank in as little as 10 Minutes**

Why Use Tendo?

It's a no brainer

No fees, no obligation, no worries

No Fees

Borrow up to £5,000 and pay no fees

No Paperwork

Complete your application online in just a few moments.

No Obligation

Get a quote in just a few clicks with no obligation.

Bad Credit

No problem. Apply online and get instant an decision.

Quick Transfer

Get the loan instantly transferred to your chosen account.


Borrow for up to 36 months and repay with easy monthly repayments

Get an instant quote offer

Borrow from £100 - £5,000

Representative 49.9% APR.

Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative

Rates from 45.3% APR to 1575% APR - we provide a no obligation quote, your APR will be based on your personal circumstances.

Got a Question?

Frequently asked questions

No fees, no obligation, no worries

Can I apply for a loan?

You can apply if you are: over 18 years of age, living in the UK (England, Scotland, Wales and Northern Ireland), in employment and receiving a regular salary paid into a valid bank account that accepts direct debits

What if I have difficulties paying?

CALL YOUR LENDER! If you think you’re going to have a problem with a payment, you should call your lender as soon as you can. The sooner they know there’s a problem, the sooner they can start to help. They don’t tell people off – they just do everything they can to make things easier! You’ll probably be surprised how understanding they are, so don’t be afraid – just pick up the phone

What is an instalment loan?

Unlike a short term loan the instalment loan product is usually a higher value loan typically £400 to £5000. The instalment loan is also paid back over longer periods of 3 to 24 months and incurs a smaller interest rate than a short term loan

What are my rights to cancel?

If for any reason you choose to cancel your loan please refer to the loan agreement sent to you by your lender, cooling off periods and lender cancellation policies may vary

Why does the APR seem so high?

The rules and regulations that govern companies like ours state that we must show you the Annual Percentage Rate(APR).APR's are calculated based on paying a fixed amount of interest annually

Short - term loans are normally taken over a maximum term of 60 days so APR's are not the best way to measure how competitive our rates are. Our lenders prefer to focus on the amount you pay back in total rather than on APR. We are confident that we offer the most competitive rates in the market for this service

Do you use credit agencies?

Yes, when submitting your application you consent for our lenders to run a credit check