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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

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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.

Mini Credit Cash Loans – The Bad Credit Option

Key points

  • Loans are typically for smaller amounts and offer far greater convenience when compared to other lending options.
  • Small loans typically offer higher acceptance rates for those with poor credit scores that have been refused elsewhere.
  • Interest rates can be higher, and loan repayment terms can be shorter however most can be taken out online.

Obtaining the loan you need without further knowledge about it could cause more problems than help. Bear in mind that there are scammers everywhere. People who haven’t tried applying for mini-credit cash loans should learn first how this loan actually works. Though it may be beneficial for those who need cash the same day they applied for it, make sure that you fully understand its mechanics. It is also the best kind of loan for people who only rely on their monthly paycheck. Read on and find out more about mini-credit cash loans and how it could provide you cash assistance.

With mini-credit cash loans there are minimal requirements you need to prepare. It is important that you are 18 years old and above to be qualified for the mini-credit cash loans. You also must have your own bank account not older than 6 months so the lender will know that you are capable of paying them back. The mini-credit cash loans will help you get cash in small amount especially if you just need extra cash to buy foods for the next two weeks or pay some unpaid bills that are due the following week. This kid of loan is unsecured loan so you will no longer need to have a guarantor just to get the approval on your application.

How a Mini Credit Cash Advance Can Help

The mini-credit cash loans will no longer require you to have a good credit line. It is actually specifically offered for people who have bad credit line, no credit line and even for those who are dealing with bankruptcy. It is also the kind of loan which those who are already blacklisted find very helpful since they too can apply for the loan and get the approval. The money you will get from this loan may be small in amount and could only be used as emergency cash such as for paying bills and even buying groceries. It is not actually recommend for those who wish to back up their businesses.

Mini-credit cash loans are readily available online so you will surely find the best lender through the web as well. You need to find the best mini-credit cash loans lender that will help you understand more about the mini-credit cash loans. The lender must be able to help you understand the terms and condition of the mini-credit cash loans. Bear in mind that this loan might be useful but it has high interest rate. But with the help of your chosen lender you will be able to choose the right payback plan that will suit your needs as well as your budget.

Make sure to consider those online reviews and feedback posted by previous clients regarding mini-credit cash loans. This will help you decide whether a certain mini-credit cash loans lender will be able to provide the cash assistance you need or not. It is a must that you fully understand how the mini-credit cash loans actually works so as to fully gain its amazing benefits and privileges.

Mini Credit Cash Loan FAQ’s

What are mini loans?

If you have come up short of cash and payday is still quite a long way off, you may be able to benefit by applying for one of the many mini loans UK that are available through the Loanovao website.

In most instances, you won’t have to have a good credit rating to apply for smaller loans anymore, meaning that you stand an excellent chance of qualifying and receiving the much-needed funds in your account on the same day (or next business day on a weekend or holiday).

How long will I have to repay my mini loan?

The amount of time it will take to repay your loan depends on the lender who has provided it to you. However, terms can range anywhere between 20 and 52 weeks. In most cases though, larger loans can be paid off over more weeks than those taken for smaller amounts.

Who will I be borrowing the funds from?

Although you would be applying for your mini loans UK through the Loanovao website, Loanovao will not be providing the funds to you. Loanovao works with a number of reputable and accredited loan companies and this ensures that you are matched with a lender that will be most suited to your personal and financial circumstances.

How can I obtain a mini loan online?

The loan application process on the Loanovao website isfast and easy. All you will have to do is complete the form on the application page and provide information such as your full name, a complete UK-based address, mobile number, employment status and history, proof of income, expenses and banking details.

When filling in the loan application form, it’s essential that you be completely truthful, as this will enable us to match you with the best lender possible. It will also allow our lenders to determine how much you will be able to afford to comfortably repay each week without going short elsewhere in your budget.

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.