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  "docSlug": "EUIvDLSeAMjJnoF63Dj0",
  "documentTitle": "Check out the 11-slide pitch deck Fintern;; a startup aiming to make loans more affordable with open-banking data;; used to raise $11 million",
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  "authorName": "Fintern",
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  "notes": "The chart uses a color-coded background to distinguish between 'Specialist Lenders' and 'Mainstream and Digital Lenders'.",
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      "kind": "callout",
      "text": "Mainstream banks advertise headline rates of 3 – 4%, however these rates are only available for loans above £7,500 and for prime customers",
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      "kind": "chart",
      "text": "APRs for £1,000 personal loans by UK lenders (as at 06 May 2021)",
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      "kind": "list",
      "text": "Mainstream banks advertise headline rates of 3 – 4%, however these rates are only available for loans above £7,500 and for prime customers. Market pricing heavily penalises smaller ticket sizes. Fintern offers unsecured personal loans between £1,000 and £7,500",
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      "kind": "metric",
      "text": "APR: 18.8%",
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      "kind": "source-note",
      "text": "* Several specialist lenders went insolvent recently, e.g. MyJar, Sunny; Not accepting new lending: Amigo, Avant Credit, Satsuma",
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      "kind": "title",
      "text": "Our 18.8% APR is highly competitive with mainstream lenders, and provides a vastly superior alternative to those forced to borrow from specialists",
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