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Short Term


Borrow up to £995 when You Apply Today

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Responsible lenders

Rates from 278% to 1576%

3-12 month repayment



Borrow up to £25,000 when You Apply Today

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.

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.

Easy Loans – Easy Payday Loans For People With Poor Credit

Choosing what you believe is the best loan for your personal circumstance can be challenging because you want to get the best deals, and you’ll find many types of loans in the market you can choose from.

True enough that looking for a loan can be a bit of a struggle, but many loans are easy to apply for and process. Once you understand the ins and outs of loans, you will not have a hard time finding an easy loan.

Easy Loans in the UK

In the United Kingdom, you’ll find many sorts of loans available for every need and for every level of credit rating. Because of stiff competition, lenders have become more flexible and relax in the recent years with their financial products. Interest rates are lower and loan terms are more viable.

Even banks have become more open to borrowers with bad credit history. Many banks and private lenders now offer online services for quicker access and processing of loans and for more convenience. You can also take out loans from credit unions and peer-to-peer lending firms.

You can easily get loans in the UK such as short-term and long-term loans, secured and unsecured, personal and business loans, and much more. You’d be surprise to discover that there are specific loans for specific financial needs.

Easy Loan Options

It is important that you understand all the aspects of loans before you get one. If you need some cash to cover an emergency cost, you can opt for a short-term loan. Short-term loans are easy to process loans that can be anywhere from £100 to £2,500, which you can settle in one to twelve months. Examples of short-term are payday loans, doorstep loans, to personal unsecured loans.

If you need a larger sum of money to purchase a property or vehicle, or perhaps use it for home renovations or pay off college, then a long-term loan is best for your situation. Long-term loans can be up to £25,000 that is payable in five to seven years, depending on the lender’s policies.

You may choose to get a secured or unsecured loan. Secured loans use a valuable asset, most commonly the borrower’s property to secure the loan. An unsecured loan is solely based on your credit history. With secured loans, you can get a lower interest rate because the loan is secured by the asset put up as collateral.

In case of a default, the lender can take your asset and sell it to pay off the loan balance. An unsecured loan, on the flipside, may have a higher interest rate and it requires the borrower to have a good credit.

No Credit Check Easy Loans

Whether you apply for a short-term loan or a long-term loan, whatever type of loan it may be, what’s important is that you get a good deal from a reputable lender. Be aware that there are many scammers and loan sharks in the market today. The best way to avoid them is to take some time to research about the lender. Check their website and read their customer reviews.

Loans with Guarantor

A guarantor loan is an unsecured loan where a second person takes the responsibility for paying off the debt if the borrower misses repayments. This type of loan could be an option for those with poor credit rating or have no credit history at all, who struggle to be accepted for a loan.

The guarantor could be your friend or family, but not anyone who is linked to you financially such as your spouse. The guarantor will be legally bound to comply with the terms and conditions agreed to, that is why it is important that the guarantor understands the risks involved as well. If the guarantor fail to pay, then legal action can be taken against him.

The guarantor serves as the added security of the loan, so guarantor loans can sometimes enable the borrower to bet a good deal and cheaper interest rates than they would be able to without the guarantor. You’ll find guarantor loans offered through traditional high street banks and building societies, as well as credit unions and other specialist lenders.

Loans with No Guarantor

A guarantor is a person who promises a lender that a loan or other type of debt will be paid, and signs a contract that states that if the borrower is unable to pay back the loan, the guarantor will take over the payments. On the contrary, with a no guarantor loan, there is no need to find someone to back you up when applying for your loan. However, it might be more difficult to be approved for a loan by yourself, especially if you have a poor credit score.

Most of the time, it is difficult to find a guarantor. It involves speaking to someone about your finances and approaching them, and this person needs to have good credit. You would also consider whether the guarantor of your choice can afford and willing to repay your loan if you cannot.

A no guarantor loan is more convenient in this case because you can apply directly with the lender without having to approach another person. If you need the funds for emergency purposes such as a car repair or expensive dental or medical bill, you may prefer to apply straight with a lender on your own because you can’t find a guarantor quickly, and get them involved in the loan process.

Easy Loans for Bad Credit

When you have bad credit, getting a loan approval can be more challenging. You are usually left with little option compared to those with good credit scores. However, many nonbank lenders offer easy loans specifically designed for people with bad credit. You just need to be patient with your search for you to get a good deal.

The interest rate of loans for bad credit is quite high, but interest rates varies from lender to lender. It is worthwhile to compare the rates and fees of different lenders if you want to find out the cheapest possible bad credit loan. You might also want to consider other features of the loan such as early loan settlement, if there are any.

Bad credit loans are unsecured, personal loans that rely mostly on your ability to pay. Lenders will look into your employment status and your income per month.

A payday loan is an example of a bad credit loan. It is a small, short-term loan, which usually payable in two to four weeks, or usually when your next paycheck comes. Other small, short-term loans include doorstep loans and quick cash or instant loans.

Logbook loans are also a type of a bad credit loan. The loan is secured by the borrower’s vehicle like cars, motorbikes, and even boats. The loan amount can be large, but in most cases, it corresponds to the net value of the vehicle used as collateral.

Bad credit loans come with extremely high interest, so make sure you can afford to make the repayments on time and not miss any. Otherwise, you’ll end up in a deeper financial trouble, you will have a hard time recovering. If your loan application is approved, use this loan to improve your credit score, so you can qualify for a better loan deal on your subsequent loan applications.

Instant, Easy Loans

If you want to find an easy loan, you’ll find them abundant online. Majority of lenders in the UK have embraced the benefits of online banking and technology. This has helped the lenders cut down operational cost and provide more convenience to the consumers.

Application and loan process is pretty easy. You go to the lender’s website and fill out the application form, and wait for their response. In a few minutes, you’ll get a feedback. If your loan application is approved, you’ll have the money in a few hours. This fast and easy money is quite tempting, but then again, you need to make sure the lender is authorized and operating legally, as scammers and loan sharks are abundant around.

Easy Loans Direct Lender

When you apply for a loan with an affiliate or a broker, dozens or perhaps hundreds of lenders will gather and farm your personal information. The lenders that the affiliate or broker has reached out will then contact you and offer you their terms, and try to persuade you to choose their loan. Your phone will likely ring off the hook, your e-mail inbox will be flooded with offers, which can be very annoying and frustrating. Fortunately, there is an easier way, which is through a direct lender.

Direct lenders work directly with their borrowers. When you apply to a direct lender, your information will remain secure with them assuming you’ve chosen a reputable lender, of course. The lender will accept your application, consider the information you provided, and then accept or deny your request. The turnaround time is often very quick, so choose an instant lender if this is important to you. The process will also be cheaper because there are no intermediaries involved.


When you are in dire need of money, you want nothing more but quick and easy loan. Look for loans that are hassle-free, requiring minimum or no paperwork, simple and easy to apply for with only a straightforward from to fill out, and instant payout.

Thousands of lenders in the UK offer different types of loans and it can be very overwhelming to compare and choose. The best thing you can do is go to comparison websites that feature easy loans.

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
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Warning: Late repayments can cause serious financial issues. For help, go to moneyadviceservice.org.uk