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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

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E-sign the contract and the cash could be with you in as little as an hour.

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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.

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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.

Mini Credit Loans: Obtaining The Best Cash Help From Direct Lenders

Are you tired of running out of cash? Do you need cash assistance the same day? You can actually borrow from a close friend or friend but since there are now more effective ways you can imply. One of the best ways is to apply for a certain kind of loan. There are tons of loans today which you can easily apply for and get the approval you need. For example, if you wish to renovate your house then a housing loan will help you out. If you are looking to replace your old car then a car loan will do the trick. There are also loans today that are readily available for those who have credit score issues. Through this article, you will not only learn more about a certain loan called mini credit loans but will also help you find the very best online lender today.

Definition of Mini Credit Loans           

Mini credit loan is one of the most preferred loans today here in UK. In fact this loan is very much favoured by those who rely on their monthly salary alone and even those who need immediate cash on hand. This loan is considered to be a short term loan. It is easy to obtain and you could actually get the cash you need in a matter of minutes. It is convenient as compared to others loans offered today. However you will only get to borrow cash from the mini credit loans direct lenders with a minimum amount usually ranging from £100-£1000. You can judge your requirement and can apply with the right lender online for a loan in this range. This loan should be paid at the end of the month according to the repayment plan which you and the lender agreed upon.

This loan is designed for those who are in dire need of cash especially during emergency situations. With this loan, you will be able to pay those unpaid bills on time and make use of it to other purposes such as for medical expenses, car and home repair, celebrations or just to have extra cash on hand until you receive your next paycheck the following month. You will get the cash you need the same day so there’s no need for you to be stressed out waiting for several days just to hear from the lender again. There will be no further questions as to where and how you will spend your cash as long as you will pay them back on time then there will be no issues at all.

You will be able to get the approval you need as long as you will fill up the form provided in the lender’s site and sending it back at once. Delay may actually occur if you will not send out the form immediately. The lender needs to assess and process your form making sure that you are employed and that you did not miss any of the questions. Once you are done, the lender will provide you quotations of your loan together with its interest rate. This way you will be able to determine if a certain lender will be the best for you or not.

Choosing Mini Credit Loans

Though there are tons of loans today which could provide amazing cash help, it is a must that you only get the best one. With mini credit loans, you will surely obtain the help you need. Aside from those mini credit loans no guarantor policy, are there any other reasons why you should obtain this loan? Here are some effective reasons to consider. These mini credit are unsecured loans and thus there is no need to present any guarantor or asset as security you will get approval on the basis of your current earning per month. Though this loan had been gathering some speculations about placing the borrowers in deep debts, it is still very much preferred as compared to other loans today that could provide fast cash assistance. It is also one of the loans that could help families get extra cash on hand during emergency. It could help them buy groceries and pay their electricity bills on time to avoid more charges. But because of the fact that it is easy to obtain, then expect it to have almost 57% higher interest rate as compared to other loans. This is the reason why there are some who say just how difficult this loan can be. This is why lenders need an assurance from borrowers that they are employed or at least have other source of income to be able to qualify for it. this will help them avoid getting additional charges and even penalties in the end.


You will find this loan readily available online. There are in fact lenders today that could arrange short term credit up to £1000 and if you need more then you are welcome to switch to some other source of money. You only need to gather several links and sites where you could get more details and info regarding this loan. Borrowers can actually apply and get approve with this loan even if they have already borrowed several times before as long as they are able to pay back. Lenders actually take note of those who can and cannot pay them back on time. For those who can, they help these people boost their credit line which they can effectively make use in the future in applying for a bigger loan. This loan is in fact very accessible even in those areas of cities where people are earning in average rate. Lending companies know that they need such cash support at all times. No wonder even those who are already blacklisted can apply and get approve with this loan as long as they could pay the lender back on time.


Since there are tons of lending companies offering various kinds of loans today even the so called mini credit loans bad credit, you will be able to find the best one that will help you out. It is important that you choose the one that would be able to help you resolve your cash issues without any complicated matters. You can obtain such results if you will consider their credibility not just to provide the cash help you need but most of all how they provide their services to their clients. You might even get across with those mini credit loans guarantors that could provide more assistance. So be more cautious in checking their background.

Simple requirements

Unlike those regular type of loans today, this one will no longer ask you any complicated and hard to prepare documents and such. In fact you can easily apply for this loan online. All you have to do is to find the lender’s site and from there you will find the application form you need. Make sure to provide necessary details and info. It should also be accurate and updated to avoid any conflicts in the long run. Lenders need the details from you as assurance that you are employed and capable of paying them back on time. Since this loan is considered to be unsecured then expect it to have high interest rate as compared to other loans.

Are there any exceptions for this loan?

If you are worried because of your bad credit score then now is the time to stop. With this loan, you will be able to get the cash help you need without those strict background checks and verifications. With mini credit loans UK and mini credit loans instant, even those who are blacklisted can apply and get approved. The only key here is that you must be employed or at least have a source of income to be able to qualify. Lenders will never check your credit score again. In fact they don’t mind you having no credit line at all as long as you will pay them back on time then you and the lender will have a great client and lender relationship. Paying then back on time might even help you boost your credit score in the future.

Getting the cash help you need should not be that hard especially when you need it the same day. What if you have a sick kid or if the pipeline in your house broke down? With this loan you will be able to cover your expenses on time. You will actually get the cash deposited into your account after a few minutes of your application assessment. This is why lenders need your bank account. However there are some lending companies which could provide your cash through check. Make sure to discuss this matter with your chosen lender to avoid any hassles.

Finding The Right Lending Company        

Now to fully enjoy the benefits of mini credit loans, make sure to find the right lender. But since there are tons of them online, choosing the right one can be quite tricky not to mention just to gather the names of those reliable ones. So to give you more assistance, here are some simple and effective ways that would help you find the best lender online.

The first thing you need to do is to some research. If you are a newbie for such matter then make a thorough research not just online but you can also consider visiting several banks in your area to get more details. It is a must that you gather all the necessary details and info regarding this loan and its lenders. Bear in mind that there are tons of them offering various kinds of deals and most of them are actually very promising. To avoid any problems in the future, be a little wiser when it comes to closing deals online. This will also help you avoid getting scam.

While online, make sure as well to consider reading their offered terms and conditions. This is the main section wherein you can read and understand more about the lender’s interest rate and other charges. It is essential that you read this part so as to avoid getting overwhelm with their rate at the end of the month. Make sure to compare those terms and conditions of several lenders online. This way you will be able to determine which one will give you the best cash help. Another great way to help you find the right lender for such loan is by reading reviews and feedbacks posted online by their previous clients. These reviews are proven to be more effective than other tips today when it comes to finding the right thing you need especially online. These people who have posted their feedbacks and comments regarding a certain thing were based on their experiences thus making them tried and tested.

You can also consider asking around for some recommendations. If you know someone who already tried such kind of loan then it would give you more advantages if you will consider their referrals and suggestions. However make sure to take down notes on the names of those lenders. Once you have the list you need, don’t forget to do some comparison shopping. Through this you will be able to determine which one will help you best. Do make a list of all the offers which each lending company is giving even those repayment plans, deals and other services regarding this loan. By listing them all down, you will be able to see if a certain lending company has a certain offer or service which those others have none. You don’t have to worry about cash problems anymore. With the help of this amazing loan, you will surely get the cash on time and forget about borrowing from a friend. Consider the details and info we shared with you today regarding mini credit loans and avail its amazing benefits. With this loan you will be able to pay those unpaid bills on time and even get to have extra cash on hand.

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.

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