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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.

7 Benefits of Through Loanovao

Request Online

There are no fees to submit your request and no obligations.


You can be sure that your information remains with us – no 3rd party sales.

Get Results Fast

After you submit your information we can match your lender instantly.

Quick Cash

E-sign the contract and the cash could be with you in as little as an hour.

Borrowing Power Calculator

Find out how much you can afford to borrow before you apply with our borrowing power calculator.

Apply from any device

You can start and complete your personal loan application on any device. You you can return to and complete unfinished application made online within 14 days.

Online Status Tracker

Whether You have Submitted  online, at a branch, or over the phone, you can track your personal loan application online.

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.

How to Apply – Made Easy

Start your application

The application process itself is a very quick and simple one. You simply need to fill out our online form with a few details and your good to go. All you need to qualify is some personal details, a full UK address and the details of your current employer to prove that you are capable of repaying the amount.

Get Result Fast

Our dedicated team of experts work at breakneck speed as soon as they get your application. They will check your requested amount against over 40 different lenders that we work with. Within a few minutes you will get your response and if accepted you will be passed on to the lender.

Get Your Cash

Once accepted by one of our reputable lenders, provided all your details are correct, you will get the money straight into your account within the hour. This makes our lending process one of the fastest possible ways to get finance. That is everything, you can then spend the money as you want.

Instant Cash Loans With Same Day Payouts

Key points

  • Cash loans from direct lenders are the most sought after type of loan in the UK lending market.
  • Bad credit is often considered when applying for this type of loan making them very popular.
  • Instant online decisions and same day payouts in many cases make these very convenient loans.

Do you urgently need cash for an emergency situation but don’t know where to turn to? Well, you can easily get a cash loan online of any amount up to £2,500 or more if your request is approved.

At LoanOvao, we understand that financial emergencies crop up when you are least prepared and the only option you might have at such times is to look for quick cash loans. This is why we provide an easy-to-use platform where you can find a reliable lender and apply for a cash loan online conveniently from your home or workplace 24/7 every day.

The lender will review your application and provide you with a decision almost instantly and if approved you’ll have the money in your account on the same day or even within a few hours.

What are small cash loans?

Small cash loans are a form of short-term loans that allow people to borrow a small amount of cash fast and conveniently via the Internet. The loans are designed to help you handle a financial emergency such as a car breakdown, home repair, and any other sudden need for money.

The loans are generally for small amounts ranging from as little as £50 to £2,500 or more. Cash loans are always instantly approved and the money deposited to your bank account on the same day that you apply or sometimes within a few hours or minutes depending on the lender you choose to borrow from.

Cash loans provide a quick and easy way to get cash but keep in mind that they often have a higher interest than traditional loans. The loan is usually repaid in easy instalments or from your next pay check in a single payment. The loans are easy to access, can be processed online, and your application can be approved even if you have a bad credit rating.

Are cash loans secured or unsecured loans?

Cash loans are usually for smaller amounts and are in most cases unsecured. What is the difference between secured and unsecured loans?

An unsecured loan is one where the lender does not require collateral while in secured loans the borrower is required to leave something of value such as property that the lender can claim if the loan is not repaid. In a secured loan the lender has some form of security.

Cash loans are unsecured but if you borrow money and fail to keep up with your repayments, you will be charged late payment penalties or the loan rolled over with higher interest. Cash loans present a higher level of risk to the lender which is why they are usually charged higher interest rates and provided in smaller amounts.

Can I apply for a cash loan online?

Many direct lenders understand that cash loans are usually urgent in nature and make the process of applying and processing the loan as easy as possible for the borrower. You can easily apply for the loan via the Internet from the comforts of your home and get the lender’s decision almost instantly.

How fast can I receive the cash?

Unlike banks which have longer loan processing times and a lot of paperwork to fill, cash loans are faster and easier to process. There’s no paperwork involved. Just fill an online form, wait for a few moments for the lender to either approve or deny your application, and if approved you’ll have the money in your bank account within a few hours or even minutes.

How much do cash loans cost?

Just like every other loan provided by a bank, direct lender, or other financial institution, cash loans are charged an interest based on the amount of money you borrow among other things. The loans have a fixed annual percentage rate (APR) which determines the cost of the lawn after a specific period of time.

The interest rate for cash loans varies from lender to lender and depending on your financial situation. Most lenders usually decide the interest rates they will charge you according to your credit rating. You can easily use an online loan calculator to get an idea of how much interest you will have to pay on your cash loan.

Can I get a cash loan if I have bad credit?

All money lending institutions including banks and credit unions use the credit score system to decide whether to lend borrowers money or not. In most cases, banks will turn down your application if you have a bad credit score. If you have a bad credit history, they consider you as a high-risk borrower and not likely to pay back the money.

Direct lenders of cash loans, on the other hand, do not base their decision on your credit score alone but also focus on your ability to repay the loan through salary or another source of income. Direct lenders will still give you a loan despite your bad credit rating as long as you demonstrate the ability to pay the loan on time.

Do I need a guarantor to get a cash loan with bad credit?

Most of the lenders we work with understand that a majority of people end up with bad credit scores due to many innocent reasons. They hardly ask for guarantors. We will match you with some of the best lenders who assist people with bad credit history with quick cash loans without the need for guarantors.

How can I find the best cash loan lenders?

You can always find cash loan lenders online by doing a simple Google search but it is always a good idea to research and compare different lenders to avoid making costly mistakes. Cash loan lenders are not the same.

Some charge extremely high-interest rates or have exploitative terms that may end up causing you more problems than you initially had. When you compare different lenders, you get a good idea of the overall cost of different cash loan options on the market today. The comparison also shows you which lender has the lowest interest rates and the best terms for the loan.

At LoanOvao.co.uk, we offer you a helpful platform that shows you the best cash loan direct lenders with the most reasonable interest rates and loan terms on the market today. Our mission is to help people looking for quick cash loans to make better decisions and avoid falling into unmanageable debt traps.

Here are some of the benefits of using the LoanOvao website to find a good cash loans lender:

  • Our platform is free to use with no obligations
  • The information you enter in our platform is kept securely and never shared with or sold to other third parties
  • We give you access to trusted and vetted cash loan lenders with a good track record
  • We’ll match you with a good cash loan lender instantly and ensure that you get the money you need to handle your emergency situation as quickly as possible.

Competitive Company Examples

Loan amount
400 - 1,000
Loan term
20 - 52 weeks
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Loan amount
200 - 750
Loan term
33 or 45 weeks
Great customer service
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5 most recent personal loan reviews

Review of West One Loans

Once I had sorted the application signed my agreement, and got my guarantor to sign his, we both had a phone call within the hour, no issues with either of us and I got a pay out in 25 mins, couldn't have been any better, service on the phone was great nice people to talk to 👍🏻

Review posted by Jack Emberton, Bath

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Fiananta

This was the smoothest process one could hope for! I had previously gone on a wild goose chase with Avant Credit (who are a joke) and then listened to the most ridiculous rates from Everyday Loans (the biggest joke of them all!) and so to get quick and friendly service form Finanta was a pleasure. the customer service staff are extremely friendly and my loan was paid out within a few hours of applying. I would recommend to anyone. My credit wasn't the best but they still accepted me, cant speak highly enough of them!

Review posted by Ricky Hutchens, Shrewsbury

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Ablrate

Excellent Customer Service, the staff were very helpful and polite. I would recommend Ablrate Loans to my Family and Friends. Swift easy process in which to apply and the loan (monies) was deposited into my account well within the 48 hour frame time. Another satisfied customer 🙂

Review posted by Angie Foley, Tuxford

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All reviews acquired from trustpilot.com for authenticity.

Loanovao is an introducer and not a direct lender
Website owned by Leadbrain LTD Company Number 10959294.
Postal Address: Serpable Ltd, Collingbourne Avenue, Southbourne, Bournemouth, BH65QR
Late repayments can cause serious financial issues. For help, go to moneyadviceservice.org.uk