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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.

Low Cost Loans: How Direct Lenders Could Help You Out

People often find it hard to make ends meet especially for those whose salaries were not actually enough. Though there are now loans which they could get, some has high interest rate and these in fact don’t actually help them at all. There are also those who just happened to have no cash on hand and suddenly needs to deal with emergency issues. Good thing there are now these kinds of loans which you could get with low cost rate. This particular loan will surely help you pay the lender back on time because of its low and reasonable interest rate.

Facts on Low Cost Loans

When we actually talk about the amazing low-cost personal loans, you cannot go wrong. You will in fact find it very helpful. This is one of the most sought after and popular kind of loans without a doubt these days. The reason why more and more people prefer this loan is because of their flexibility as well as its usefulness. Now when it comes to its security terms are concerned, these low cost loans are specifically designed for all types of urgent personal needs which low cost loans direct lenders could easily provide. Any individual with a flawless credit score as well as a real proof of income (having a stable job) can have access and get the approval they need for such loans. It is even possible to choose for both, unsecured as well as secured loans. This is the reason why more and more UK residents prefer the low cost loans bad credit.

The best part is, unlike other loans available online today, low-cost loans are low in terms of interest rate which makes it very helpful for those who have limited cash flow. With this, they will no longer need to worry about paying the low cost loan direct lender without compromising the date which they have agreed upon of payment. You will in fact also find the amount of this kind of loans is offered by a different banks as well as online lending companies. You will actually find these loans very much on demand not just by those who are in dire need of cash but even those who need cash support. These low cost loans are mainly used to help people deal with unexpected crisis as well as emergency situations such as having a sick kid or if they need cash help for their home renovation. Fortunately, this is a properly and reasonable priced loan that will let you feel at ease and stress free as compared to others loans offered today which could not actually help out but could even bring more hassles in the long run. Thus, you will have the capability to resolve your cash problems faster than expected with the help of this amazing loan. You can even have your chosen low cost loans guarantor who will assist you in your loan application.

As we all know, one of the main concerns of people why they sometimes having second thoughts when it comes to loan application is its high interest rate. Just imagine the hassle it may bring to some who are relying on their monthly salary alone. If you wish to get the best benefit and help from your chosen loan then better consider its offered interest rate and other additional charges. Among the most significant area when choosing a specific loan is the rate of interest. This way you will be able to gain the benefits you need in no time at all without the worries of those charges. In this sense, most consumers tend to rely on cheap loans are selected right after comparing several different loan policies offered by the lending agencies online. There are many dishonest individuals who assert to be experts when it comes to low cost loans UK low cost loans instant. It is important to avoid deceitful offers and sources especially online and stick to the best cash solution that comes from legit low cost loan direct lenders. It is a great idea to always request a quote for low cost loans as this will help you find out more about differed low-cost loans and plans that would be able to help you resolve your cash issues. For those individuals who are in dire need of cash especially during emergency situations then it is better for them to seek for any type of low cost loan that tend to compare different but reliable source alternatives.

Obtaining The Right Offer          

Read reviews and select with ease. Reading reviews about low cost loans will not only help you find the best low cost loans direct lenders but it will help you learn more about low cost loans bad credit especially if you have issues with your credit score. Bear in mind that by getting the best lender will not only help you get the approval you need for your application but will even help you improve and boost your credit score in no time at all. You will find these reviews all over the net. There are reviews not only about those low cost loans direct lenders but as well as those about low cost loans guarantors. Another great and effective way to help you find the best deal in low cost loans is considering those referrals. Through this you will be able to find the right and most reliable low cost loans guarantor and low cost loans direct lenders. This is in fact one of the most effective ways to help you find the best deal. Now once you have gathered the names of those reliable lenders, never forget to compare their offered services and arrangements. Through this you will be able to see which one will match your needs. Compare their rates as well as their offered repayment plan.

Another great way to help you find the right low cost loans no guarantor service is by asking their customer care service. You will find lending companies online which are offering such kind of service. A good customer care service should be able to provide you accurate and immediate answers in time while you are browsing and comparing for loans you wish to apply for. Through this service, you will also be able to get some guidelines on your application process and how you can be able to get fast cash assistance. Since this loan is readily available online then you must be extra careful though because of those scammers. Now while online and decided to apply for such loan, make sure to provide the lenders accurate details and info at all times. These will help them see if you are capable for such loan or not. It is important that you are employed so you will be able to pay them back on time. It is important to do so even if this kind of loan has low interest rate. This way you will help yourself boost your credit score overtime. This will be your advantage in the future if you wish to apply for another kind of loan.

Availability of Low Cost Loans

Now when it comes in secured low cost loans, you will in fact find it available at any time. This simply implies that you can be able to obtain such cash assistance especially during emergency situation. You will also be able to get the cash you need the same day as compared to other loans today which you have to wait for days before you could again hear from the lender. Yet, you can at all times opt for unsecured loans, too. In fact this will depends on your priorities and needs. If you are like those with assets then you should opt for a secured low cost loan. You will be able to get the cash help you need without paying heaven high interest rates. In terms of reputation, unsecured low-cost loans are a lot more preferred by most UK residents as compared to secured ones. Though, both of these kinds of loans are quite beneficial when it comes in providing cash assistance. Whether you find yourself in the middle of an emergency issue or if you need to deal with unexpected problems such as having a sick kid or such, both of these loans will allow you to feel peacefully. You just have to choose the best one that will match up your needs and financial status.

What to Expect From Low Cost Loans

The benefits which you could obtain from these types of loans are in fact immeasurable. For example, the general processing rates stay at a minimum range. Consequently, this means that you only have to pay a low loan application fee without those hidden charges at all. Generally speaking, you will have the capability to cut costs when it comes to terms of the overall loan expenditure which could help you save up more in the end. You will find it a lot easier to pay the low cost loans direct lenders back on time! In addition to this, it involves a hassle free installment with longer loan repayment plan which is in fact very flexible if you are only relying on your monthly compensation. The repayment plan will be distributed in an ideal way that will help you get to pay the lenders back. What even makes the low cost loan very much preferred is the fact that the installment will be kept low no matter what. No hidden charges at all!

Low cost loans can be easily be process and you will get the cash assistance the same day as well. Note that secured low-cost loans bad credit needs collateral from the borrower. On the opposing side, unsecured low cost loans require none. No wonder more preferred this kind of low cost loan. This will certainly provide a fast application low cost no guarantor loan procedure. These low cost loans are at your disposable. In fact everyone is encouraged to apply since it could even help those with issues on their credit score and such. If you have bad credit, this is a suitable choice, too. Yet, you will need to find ways that will help improve your credit score. This way you will be able to apply for any loans in the future without any questions from those lenders.

Last but not least, you can search for more effective tips to get cheap low cost loans online and implement them on your application and research. You will find several online lending companies that are now offering and providing the best low cost loans to individuals who are in dire need of cash even those with bad credit score. As we all know, such loans tend to have those annoying hidden charges but you can avoid such issue if you will only find the right one. You can avoid those hidden charges by selecting smartly and not just by sticking to the first loan you will come across upon the web. Make sure that you will choose the low cost loans that will meet your present financial situation as well as needs. This way you will be able to gain its benefits and avoid further issues in the long run. It is always a wise thing to compare different agencies as well as low cost loans lenders. In fact you will come across with a wide variety of such loans that have similar benefits and deals. Take your time and select consequently.

Running out of cash should no longer be an issue if you will only try to find the right solution. You can either borrow from a reliable relative or apply for a low cost loan. With the benefits, tips and advantages we shared with you regarding low cost loans, you will then be able to determine if this is the best option for you or not. Never forget to take down notes so you will not miss a thing. With low cost loans you will no longer be stressed out in case of emergency situations again.





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