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Short Term Loans

£50 - £995

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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.

Guaranteed High Risk Loans – Why Understand Its Mechanics

Key points

  • Guaranteed loans for high risks are designed for people in search of quick fixes for their financial situations.
  • These type of loans are an escape route for people who do not have a great credit history.
  • Like many other loan types, they are fast and easy to get as long as the application process is successful.

You will surely find different kinds of loans today specifically designed and offered for people who need immediate cash. These loans might be readily available online but bear in mind that it has high interest rate. But with guaranteed high risk loans you will not only get to pay those unpaid bills on time but will also have extra cash on hand in case of emergency. This loan is offered for people who rely on their monthly paycheck alone. The guaranteed high risk loans are very convenient but should be taken with extra care especially for those who haven’t tried this kind of loan before.

The guaranteed high risk loans are the loans for people who have a bad credit line. The lender will no longer do those complicated credit line checks. It is also preferred by those who have no credit line, blacklisted and even those who are dealing with bankruptcy. The lender will no longer have business on where and how you will spend the cash you need as long as you will pay them back on time. This kind of loan typically offers a payback plan that will suit your needs and budget such as the monthly payback arrangement. This way you will no longer have excuses not to pay the lender back on time. It will also avoid you form additional charges and penalties. Bear in mind that guaranteed high risk loans may be accessible and easy to obtain but it has high interest rates.

What Do I Need To Get A High Risk Loan?

The guaranteed high risk loans lender will not require you to go to the bank since they have the application form online. You will no longer need to go to the bank just to fill up the application form. you only need to prepare basic requirements such as your ID card, social security number, residential address, email address as well as your bank account. This way the lender will be able to deposit the cash you need to your bank account. The simple requirements which most guaranteed high risk loans lenders need will be used as references and guarantee that you are capable of paying them back on time.

While online make sure to do some research in order for you to learn more about guaranteed high risk loans. This is a must if you haven’t heard about this kind of loan before. Bear in mind that this loan might be useful but if you will not fully understand its mechanics and tend to neglect to pay them back on time then you will surely get tons of additional charges and I’m sure you will not be happy with it. So to avoid such kind of problems make sure that you only rely on the best guaranteed high risk loans lender. Make sure to compare several offered services and deals with guaranteed high risk loans lenders. This way you will be able to determine which lender will be capable of helping you resolve your cash problems without further adding up more complications.

Guaranteed High Risk Loan FAQ’s

What is a guaranteed loan for high risk people?

These are high-risk loans that customers (high-risk borrowers) often apply for. They are easy loans because you are almost certain to get the cash that you need once everything checks out.

Like most loans offered by lenders nowadays, you can apply for guaranteed loans for high risks online. These loans are either approved or rejected within a few minutes. If you are successful, the loan amount will be sent to your bank accounts almost instantly. While high-risk loans are easy to get, we advise that you exercise extra caution if you have not secured one before.

When do I need a Guaranteed Loan for High risk?

A high-risk loan is an excellent option to consider when you are faced with urgent/serious financial situations. For example, you can apply for a guaranteed loan for high risk…

  • When you need to break a bad debt cycle that has held you captive for a long time,
  • When you need to attend to urgent domestic needs.
  • When you are paying for credit cards and loan dues.

Generally, we would advise that you apply for a loan of this nature only when you need it.

Your local bank will not give you loans when they discover that you have bad credits. This means that your chances of securing a high-risk loan with them are non-existent.

However, with direct lenders in the UK, things a little different. With them, you stand a better chance of getting the loan that you seek. While these lenders will still examine your ability to pay back the loan amount, you stand a better chance with them than you do with your local bank.

Can I get guaranteed loans for high risk without good credit?

Guaranteed loans for high risks are designed for borrowers with bad credits. The lender you choose to work with will carry out a loan affordability test before approving your application but you can rest assured that your bad credit history won’t be a determining factor.

If you use the loan well, you could clear your outstanding debts and start building your creditworthiness from there.

Do I need collateral for a high-risk loan?

Your direct lender won’t request for collateral or guarantor when you apply for a guaranteed loan for high risk. In most cases, when the lender is done examining your application and all boxes are checked, your loan will be approved and sent within a few minutes.

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.

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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Postal Address: Serpable Ltd, Collingbourne Avenue, Southbourne, Bournemouth, BH65QR
Warning: Late repayments can cause serious financial issues. For help, go to moneyadviceservice.org.uk