The Home of Honest Lending

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.

Get a Loan Online

Getting a loan online rather than from a bank can be so much faster, easier, and more convenient. However, spotting the good and bad online lenders is crucial. If you’re planning to get a loan online, read on to know more about the nature of these loans.

We can be very grateful that the new generation of lenders are continuously gearing towards making lending and borrowing money quick and easy. Online banking has been established for several years, and online loans have been growing popular these days. You can now find plenty of good online lenders to choose.

Get an Instant Loan Online

If you need the money in your hands the soonest, you’ll also find many online loan lenders offering installment loans with attractive rates and loan terms. These loans are known as instant loans because the loan processing is so quick and easy, and fund transfer is done within the day. Instant installment loans are becoming more and more popular because they’re very accessible and easy to process. These loans are usually small in amount and are over in a short period.

Online lenders are more likely to approve lower credit scores and use alternative information to evaluate your creditworthiness instead of running a credit check. Alternative information include utility payments, employment history, and even information from your social media.

Get a Loan Online with No Guarantor

You’ll find majority, if not all, of online loans are unsecured and do not need a guarantor. This means you don’t have to put up collateral or find someone to co-sign your loan to help get your loan application approved. As an unsecured loan, online loans are safer than borrowing against your personal assets. If you fail to repay a loan with no guarantor, your credit scores will drop, but you won’t have any of your assets repossessed and you won’t face foreclosure or have your guarantor pay the loan for you.

Get a Loan Online with “No Credit Checks”

With online loans, you can complete the entire loan process from your computer or, in many cases, your mobile gadget or phone. Other lenders would ask you to visit a branch to complete the application and go through all sorts of credit assessments.

A reputable lender checks your credit, if not, other important personal information relevant to your finances. Many new online lenders consider additional factors, such as your income and employment history or profession, but in conjunction with your credit score and credit history. If an online lender says they do not check your credit at all, consider it a red flag.

Get a Loan Online from a Direct Lender

A direct lender is a lending company that will offer you the best options for your personal situation. You will need to provide your personal information and the company will assess you. After a few minutes, you will be notified whether you are approved or not. Once your application is approved, the direct lender will transfer the funds to your bank account in a few hours or sometimes a day or two.

A broker, on the other hand, is a middle person or company that will assist you in your search for a loan. You will still have to provide the broker with your personal details. However, the broker is not a lending company. The broker will forward your personal information to hundreds of lenders and you need to wait for their response. You might be receiving hundreds of emails and calls from these lenders, offering you loan options.

Get a Loan Online with Bad Credit

When you have a bad credit rating, getting a loan approved can be challenging. As a result, you are usually left with little options compared to those with good credit rating. However, there are many lenders who offer 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 people is quite high, but it varies from lender to lender. It is worthwhile to compare the rates and fees of different lenders for you to find out the cheapest possible bad credit loan. You might also want to consider other features of the loan such as early payment fees, if there are any.

Bad credit loans online include unsecured, personal loans that rely mostly on your ability to pay. Lenders will look into your employment status and monthly income. Payday loans online are also marketed to people with bad credit. It is a small, short-term loan, usually payable over two weeks or a month, or usually on your next paycheck. All transactions are via online including the transfer of funds and the collection of your repayment.

Get a Loan Online with a Guarantor

Guarantor loans are popular options for people with poor credit or thin credit history. This type of loan involves another person who will co-sign the loan. By doing so, the co-signer guarantees the loan will be repaid. In case the borrower can no longer pay the loan, the guarantor assumes the responsibility. That is why it is imperative that the guarantor fully understands the risk of the loan.

With a guarantor, the interest rate is lower and the borrower can get the amount he or she needs. This loan can help the borrower improve his or her credit rating, provided that repayments are on time. Guarantor loans are available among most lenders and also from those who operate completely online.

Get a Loan Online UK

In the United Kingdom, you’ll find many sorts of loans available online for every need and different credit rating. Because of stiff competition, lenders have become more flexible and lenient over the years with their financial products. Interest rates are cheaper and loan terms are more flexible.

Banks have become more open even to borrowers with bad credit rating. Many banks and private lenders now offer online service for quicker access to cash and for more convenience. You can also obtain loans from credit unions and peer-to-peer lending firms.

However, with the abundance of reputable banks and lenders in the UK, there are also many scams and illegal lenders online. It is also recommended that you check whether the lender an authorized and accredited lender before you take out any loan from them.

Check the address of the lender to see if they are legitimate. Read customer reviews and customer ratings. Check out all aspects of the loans they offer. A good lender is transparent with all the fees and features of the loan. There should be no hidden charges.

Competitive Company Examples

Loan amount
400 - 1,000
Loan term
20 - 52 weeks
Apply Now

Show More ▼

Loan amount
200 - 750
Loan term
33 or 45 weeks
Great customer service
Apply Now

Show More ▼

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