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Short Term


Borrow up to £995 when You Apply Today

Online decision

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.

Fast Loans – Easy Simple Poor Credit Loans Accross the Uk

With the fast pacing world we live in, we also want everything to come to us that fast as well most importantly about money matters.

Fast Loans, Instant Loans

Most applications for quick loans get an almost instant response as long as you give all the needed data. Getting a cash advance is a quick and easy procedure. You would quickly know if the lender approves or rejects you. If approved, it takes as little as a few hours for a lender to transfer the funds. You’ll surely get the money the latest on your next working day or within 24 hours. If lender declines the request, start searching for some other lenders or other cash alternatives.

In obtaining quick loans, all the interaction involved takes place online. No need to get an appointment with an in-store lender or call the lender for a loan application. You may submit an application online directly from home or office at any time of day or night because these lenders operate even beyond business hours.

While most bank loans are provided for a certain purpose, you are free to cover any expenses you desire for the money received from quick loans. This makes quick loans more helpful, but riskier. That is why it is important to use them only to cover urgent expenses.

Fast Loans with Guarantor

Loans with a guarantor are unsecured loans, but a second person co-signs the loan. The guarantor is responsible for paying off the debt if in case the person who has taken out the loan fails to make repayments.

This type of loan is a viable option for those with little credit history or a poor credit rating, who have difficulty getting accepted for a loan from traditional lenders.

However, it’s worth noting that with quick loans, you may end up paying more than the original borrowed amount in interest, on top of your monthly repayments. A guarantor can help you get the amount you need to borrower and may help lower the interest rate, but still the cost is a bit high as compared to loans provided to people with good credit rating.

To be eligible for a guarantor loan, you’ll need to be over 18 years old and hold a UK bank account from which you can make the repayments. You’ll also need to show to the lender that you’d be able to afford the repayments, by proving that you have a regular income.

With same day guarantor loans, you can definitely get your loan within 24 hours of applying, if not sooner. In order to get your loan as quickly as possible, you need to meet a certain criteria. However, even if you don’t, you can still get your funds within 24 hours.

Fast Loans for Bad Credit

Most lenders ask for your credit report whenever you apply for a loan. Thus, you won’t be able to qualify for a traditional loan from banks if you have a bad credit rating. On the other hand, you have a good chance of getting a quick loan even with bad credit as long as you prove your ability to repay it right away.

Online lenders might check your credit record, but that will be a soft credit check, which doesn’t affect the credit rating at all. However, the online lender makes its final decision based on your current situation. Having financial struggle in the past does not limit you from accessing quick financial help when you need it.

Quick loan lenders usually limit the loan amount for new borrowers. They allow you to borrower a loan amount below your salary range. After paying off the first loan on time, your subsequent applications may be increased.

Your lender will let you know the amount you can obtain during the process. Use this quick loan to improve your credit rating. Always pay back any loan promptly. This way, you get a quick solution to future financial emergencies.

The short repayment period for a fast cash loan could seem like a disadvantage, but it’s a way to protect credit rating. An installment loan usually requires one or two years to fully repay it. Within this period of time, you could lose your job or be in an unfortunate situation. In this case, you may miss some payments especially when you don’t have any alternative source of income.

With quick loans, the loan term is only two to four weeks, or until your next payday. As long as you have asked for a loan amount that corresponds to your income, you won’t feel burdened when the repayment day comes.

No Guarantor Fast Loans

While a guarantor can help you obtain the loan amount you need at a lower interest rate, loans with no guarantor are also beneficial. Quick loans with no guarantor involve a secure application process and it is one of the most important benefits that borrowers look for when it comes to finance.

Most lending companies in the UK use online request forms because they are the safest option for your private details. Moreover, it also enables fast and efficient cash dispersion. This means that all you need to get things done is an internet connection.

The application process for loans with no guarantor is no different from the majority of other loan alternatives. Simply fill out the form through the lender’s link at the top or below and you will have a response as quickly as possible. Loans with no guarantor are much faster to process than one with a guarantor because you need to also get the personal and financial details of the guarantor.

Banks and traditional lenders have their decisions almost entirely based on a person’s credit history. On the other hand, the guaranteed approval with no guarantor loan provides the requested money with full guarantee without concerning itself with the past credit record. It is all about your current situation and your current income. It is a basis of trust between reliable lenders and borrowers.

When people with bad credit scores are applying for these no guarantor quick loans, they must look through the application carefully because these loans could be costly. Make sure you avoid large repayments that you won’t be able to manage.

Quick loans with no guarantor can also contain a special feature, which is no collateral needed. It means that the borrower, who may not have valuable assets, is still able to access the loan. It is not necessary for people, applying with no guarantor, to put their assets on the line to secure or guarantee the loan they are looking for. Rather, the lender will accept the risk themselves.

Fast Loans Direct Lenders

When you’re faced with unexpected expenses and are unable to borrow money from friends and family, you might decide search for quick loans. If you search online, the results are likely to include direct lenders and brokers. Sometimes it can be difficult to know which is which.

A direct lender is a company that processes your loan application and transfers the funds directly into your account. You fill in a form with your details directly on the lender’s site, correspond with the lender directly, and have the repayments collected directly by that same lender. This process is different from that of a broker or affiliates.

There are a number of benefits associated with quick loan direct lenders in comparison with the service offered by a broker. A broker will encourage you to fill in the details on their website. They will then forward these details to different lenders for a fee that will either be paid by you, or the lender. In some cases, a broker will share the details with a number of other brokers and lenders, which can lead to you receiving bombarding phone calls, emails and text messages from these companies.

Working with a direct lender means you will not pay any broker fees, do not risk having your personal information passed around the internet, and are actually dealing directly with a lender that has funds to lend.

Fast Loans in the UK

Sometimes you need cash quickly as possible for whatever reason you have on your plate. If you have to borrow a small amount of money, one option is an online personal loan. Online personal loans are a type of fast loan that can provide you cash within a day or sometimes instantly. Unlike loans from banks or other traditional lenders that could take a few days to a week or more, fast loans are absolutely really fast.

Many lenders in the United Kingdom offer these fast loans. But, before you grab a loan offer from any lender, take time to shop around especially if you have bad credit. What you get in exchange for borrowing fast cash could be an extremely high annual percentage rate (APR) or interest rate that could trap you in its cycle.

A fast loan is one of the best solutions for any financial emergency to get instant cash. This type of loan helps you pay for unforeseen expenses before your payday comes. It helps you avoid penalties imposed on late payments on other bills you need to settle.

Another type of fast loan is the payday loan, which is payable by your next paycheck. This means that you’re in debt only for a couple of weeks or so. However, there are lenders who offer longer repayment period for up to three months or more.

No Credit Check Fast Loans

Anything that is small, short-term, quick and easy to obtain loans are classified as fast loans. Most of these loans are also labeled as “no credit check” loans. This advertisement may imply an illegal lender. However, not all lenders offering “no credit check” are illegal.

All authorized lenders are required to run credit checks. Others only use a soft check and look at other personal information you provide as you apply as basis for the loan approval. Other lenders who approve loans without asking any inform from the borrower, but instead asks for a down payment can be suspicious. Be extra careful in working with these types of lenders because they might be fraud.

In a Nutshell:

A fast loan is a short-term solution. This kind of loan is the perfect solution for unexpected expenses and emergencies. Many lenders understand that when you need money to help you in your time of urgency, and you need a fast loan without any unnecessary hassle. You can send in a loan request in just as little as five minutes, and you’ll get a decision instantly. Once approved, you’ll only have to wait for a few hours to get your hands on the money you need.

Fast loans can be a great solution if you’re in need of money especially if you are in a tough, unforeseen situation. However, it is very crucial that you apply for the loan that you are capable of paying. If you diligently follow the repayment plan, then you will easily be able to improve and maintain not only your credit rating, but also your general quality of life.

The amount you can apply for can greatly vary among lenders, so make sure that the loan you apply for is affordable. Stick to the repayment plan and it will have a positive effect, improving your reputation and credit score among lenders. This way, you make future financing easier and reduce stress through your accounts.

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