Fintern Ltd

Fintern Limited operates the Abound brand, which provides personal loans in the UK using artificial intelligence and open banking data to make lending decisions. The company uses a broader range of financial data — including spending patterns from open banking — rather than relying solely on traditional credit scores.

Abound lends to customers who may have a limited credit history or who have been underserved by traditional credit scoring models, particularly younger borrowers or those new to credit. By analysing real spending and income data through open banking, Abound aims to make more accurate affordability assessments.

Interest rates depend on your individual circumstances and credit assessment. The use of open banking data means Abound can sometimes offer products to people who would be declined by score-based systems alone.

If you have an Abound loan and need to contact them, details are available on their website at getabound.com. Fintern Ltd is authorised and regulated by the Financial Conduct Authority.

If you are struggling with an Abound loan, contact their customer service team. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. Abound's use of open banking means it can sometimes offer credit to people who have been unfairly penalised by traditional credit score models. However, as with any lender, it is important to check you can comfortably afford the repayments before taking out a loan. If your financial circumstances change after you have taken a loan and you find repayments difficult, contact Abound as soon as possible. Most lenders have options to help customers in difficulty, including repayment holidays or restructured plans. Free debt advice from StepChange or National Debtline is also available at no cost and can help you assess all your options.