The Home of Honest Lending

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Short Term Loans

£50 - £995

Online decision

Responsible lenders

Rates from 278% to 1576%

3-12 month repayment

Personal Loans

£1k - £25k

Fast decision

60-sec Application

Rates from 4.7% to 287%

3-36 month repayment

Representative Example: Borrow £700 and pay £111.27 per month for 12 months at an interest rate of 140% per annum (fixed).
The total charge for credit is £635.24 The total amount repayable is £1335.24. Representative 277.5% APR (variable). Your APR rate will be based on your circumstances.
† Subject to lender's requirements and approval. Not all loan amounts are eligible for 20 minute payouts. Your bank may increase the time you receive the money considerably.

The Easiest Way to Get a Loan

You might not realise how easy it is to get a loan. Even if you have been rejected by lenders before, we may have a loan available for you. Your credit problems are no problem for us. At loanovoa.co.uk, we specialise in providing loans for people that don’t have many financial options.

How to Apply for a Loan

Not only have we made it easy to qualify for a loan, but we have also made it easy to apply. All you have to do is fill out the online form here on our site. It should only take a few minutes of your time, and you can get an answer back in moments. Many applicants are approved.

You will just need to provide some financial information and personal details that prove who you are and that allow our lenders to make a deposit directly into your bank accounts for the funds you have requested once you’ve been approved for the loan.

If you have been debating whether to apply for a loan because you are afraid of being turned down or you think it will take a long time to apply, then this loan is for you.

What to Know

If you have never tried to get a loan online before or this is your first time using our service, then you may be unfamiliar with how this process works. We’re going to answer some of the most common questions we get, so you’ll know exactly what you’re getting into.

How does it work?

Once your application has been submitted, we’ll check to see if you have enough income to qualify for the loan you’ve selected. If you do, then we’ll tell you that it has been approved and our lenders will get you your funds just as quick as possible. Within the next 24 hours, you should receive your funds in your bank account. You can start to use them right away.

How long do I have to repay the loan?

Our lenders offer loan duration’s that range between 3-36 months. The size of the loan, your income and your choice of lending terms determines how long the loan repayment term will be for.

What happens if I pay back late or cannot make payments?

You definitely want to make sure that you can repay the loan in time before you apply for it, non-payments could have a negative impact on your credit rating or score and it can cause charges and interest rates to be increased.

If you are having trouble making the loan repayments on time, you should contact us, so we can try to find a solution with you. Any time you miss a payment, you will be required to pay an additional fee.

What if I am not approved?

Not every loan application is approved, and if yours is one of them, then you do have some options. First of all, see if you are eligible for one of our other, smaller loans or a loan with different repayment terms. If you still don’t qualify for any loan with one of our lenders, then you may need to seek out alternate methods of sourcing funds. However, you can still apply with us later, once your financial situation has changed.

Do you lend directly?

No, we are not a lender, but a broker. We work with lenders to find the best loan for you. That means that we have the widest range of options available and you will have your best chance of finding the most suitable loan when you use loanovao.co.uk.

1st August 2022 - Latest News

Planning on going somewhere this summer but worried about your finances? You may be paying off an expensive holiday and this may have left you short for the things you need. Don’t fret. We all have months like this now and again. But you deserve that holiday so don’t feel bad. If you need a short-term injection of cash to get you through, then our payday loans can help. Get in touch today for a free quote.

See What Other Kinds of Loans We Do

Though we specialise in Doorstep or Home Collection loans, we also offer a wide variety of other forms of finance to help you find the perfect plan to suit your needs.

It doesn’t matter how much you are looking for or what your credit history is like, we will be able to find you the best rates possible.

Fairly self-explanatory and so easy to get, a £100 loan is for those times that you need a little extra cash and quickly. Nearly anyone can get one of these loans with no issues at all, regardless of your credit history.
6 Month Loans can be a variety of amounts, whatever you think will suit your needs. The term, however, is fixed at 6 months. What this means is that the rate is fixed, allowing you to get the best out of your money. If you are looking for a slightly longer term length then this is a great option for you.
We all know how hard it can be to save, each time you get some a new issue will arise and bring you a step back. It doesn’t have to be that way though, a car loan is perfect for when you are looking at getting a new vehicle. Car Loans allow you to get the vehicle you are looking for without the usual hassle. This way you can pay as you go with your car
Very much like a payday loan, the Cash Cow Loans market has become popular with those that have a bad credit history. The difference is that a Cash Cow Loan does not have to be repaid in one instalment at the end of the month but can instead be over a 3 month period for example.
This type of loan is designed specifically for those that have an extremely bad credit score and are very likely to be refused by any normal lender due to their high risk. A Guaranteed High Risk Loan means that anyone that has been refused multiple times in the past or those that have been blacklisted will still have the chance to get the money they need.

An Instant Cash Loan is for those that are in a hurry to get the finance now. By using this sort of loan you will find that you get the funds in no time at all. Once approved you will get the cash straight into your account within 15 minutes. Fast Loans is one of the fastest ways to gain access to money on the loan market. Even those that have been blacklisted will be able to apply.

These loans are very small by their nature, often the amounts borrowed are around the £100 mark and no more than £500. They are usually only taken out for a couple weeks and never more than a few months. Mini-credit Loans were designed for those unexpected moments like a surprise bill or a car problem.
In the modern world, we are able to use our mobile phones for so many different things. We can use them to order food or other items from the internet. We can use them for looking at our bank accounts, sending and receiving money on the go. We can use them for so many things, so why not for borrowing. Whether you have an internet connection and feel like doing a £100 Text Loan or whether you want to use an SMS Loan instead, both are easily done today.