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Check your eligibility

What you need to apply for a loan

You need the following to be eligible to apply

over 18
Be over the age of 18


bank account
Have a bank account


Employed & earning over £500 net per month


Have your wages paid into your bank account


UK resident
Be a UK resident


Have a valid email & mobile number


Get a quote in minutes

Borrow from £100 - £5,000

Representative APR of 79.5% (variable)

Here's an example to illustrate: If you borrow £1000 for 12 months, your monthly payment will be £116.52. The total amount repayable will be £1392.63, including £392.63 in interest. The interest rate is 79.5% (variable)

Interest rates range from 9.0% APR to 1721% APR. You can request a quote without any obligation. The APR you receive will depend on your personal circumstances. Our loans are available for amounts between £100 and £5000, with terms ranging from 3 months to 36 months

Please note that we are not a direct lender. As a fully authorised and regulated credit broker, we connect you with lenders. The quote and APR you receive will be tailored to your specific circumstances

Tendo is a loan matching service. We will submit your information to our trusted panel of lenders to obtain a personalized quote with the lowest possible APR for you

Please be aware that while a small number of services introduced through our platform may include a monthly fee, our loan matching service itself is completely FREE to use. We connect you products & services at no cost, providing personalised quotes tailored to your needs. You will never be charged a fee for obtaining a quote through our service

Got a Question?

Frequently asked questions

No fees, no obligation, no worries

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

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

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?

We do not perform a credit check but the lender you are passed to will perform a credit check

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

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