Over 15 million people in the UK struggle to borrow for unexpected costs. We are often rejected for loans by high street banks, forced to borrow at ridiculous rates on credit cards, or get ripped off by high-cost lenders. We get trapped in endless debt-cycles. Traditional lenders profits at their customer's expense. They seek to maximise borrowing, and keep people in a debt cycle servicing high interest payments. 1-in-4 people in the UK routinely make only minimum payments on their credit cards, meaning they will take more than 10 years to clear their debts even with no new spending. There is another way - Fintern was founded to offer low-cost, fair and flexible lending solutions which serves borrowers interests and their long-term financial health.