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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.

Obtaining Cash Assistance on Mini Loans

You will find various kinds of loans today especially offered online. There are loans for people who need cash assistance on their car and even on their house renovation. The key here is to find the best kind of loan as well as those lenders who will provide them with the assistance they need on their application. Through an online application, you will no longer need to go to the bank and spend your entire day in long lines. Just imagine the comfort of applying online even if you are in your home watching TV.

Running out of cash could cause tremendous stress especially if your next paycheck is not yet due until the following month. What even could make this scenario more stressful is when you have to deal with emergency situations such as by having a sick kid or a broken pipeline in your house. You will also find different lenders presenting their various offered services and loans. These will, in fact, provide you amazing cash assistance, however, make sure that you only make the right choice so as to surely obtain its benefits.

Mini Loans Direct Lender       

Did you know that for you to fully enjoy the benefits of such loan is to find the best mini loans, direct lenders? Yes, that’s right. Through these professionals, you will be able not just to obtain the cash help you need on time but also get to learn the full mechanics of the loan itself. They will help you make your application process hassle-free and to get the cash you need on time. This simply means that you will be able to obtain the cash assistance you need in just a few minutes upon application. There will be no further questions as to where and how you will spend the cash you will borrow from them.

Trustworthy Mini Loans Direct Lenders

Borrowing cash or even by just wishing to get the info you need regarding mini loans should come from a legit and professional lender. Since there are tons of lenders today, it is important that you find and trust the best one. This way you will not only get the cash help you need but will surely avoid dealing with issues in the future. Bear in mind that you will be dealing with them online so be extra careful so as to avoid getting scam and such.

Here are some of the pointers you should consider to help you find the best online lender for mini loans today.

  1. Amazing customer service

One of the many traits you should look for to help you find the most reliable online lender for mini loans is their offered customer care service. Through this service, you will be able to find all the answers to your inquiries 24/7. Answers and info provided should be updated and accurate at all times since there are also those who wish to learn more about those offered services and loans. With this, you will be sure that you are going to deal with the right people online.

  1. Should be authorized by the FCA

A legit online lender should be authorized by the FCA. You can always check the lender’s name or company at the FCA’s main site. Normally if you will check out the lender’s site, you should see ads referring to the main site of FCA. With this, you can be sure that your chosen lender is actually legit.

The Right Mini Loans Instant

Being a trustworthy lender is very important. This is, in fact, one of the many traits you should consider so as to help you make the right choice. However, there are some essential things you need to know so as to be sure that you are going to make deals with the right lending company online.

  1. Good lenders

Mini-loans are actually very easy to obtain. However not all online lenders could provide you with the best deal when it comes to this kind of loan. Some may even give you such unreasonable repayment plan and charges. This is why choosing the right lender should provide you with the best deal in town. Make sure that you read reviews and other feedbacks so as to help you determine if a certain lender will be able to provide you with the cash help you need or not.

  1. Online application

Another important thing you should consider to help you find the best lending company is the fact that they are actually offering online application form. This is one of the many reasons why more and more residents here in the UK prefer to find their lending company online. Having the convenience of applying for the loan they need in the comfort of their home is very important especially for those who have no time to fall in long lines and spend their entire day in the bank. So make sure that your chosen lending company could provide you with such service.

And lastly, find the kind of lender that would help you boost your credit score in the future. Through their assistance especially when it comes to a repayment plan, you will be able to boost your credit line. They will provide you ways that you will be able to apply on your repayment method and avoid any charges thus making you a credible borrower as well.

Mini Loans UK

Now once you found the best online lender for such loan, there are some important but easy to prepare requirements and questions you need to adhere. This will help make your application process faster and easier. Bear in mind that there are some lenders today that will still conduct background check even if they are only offering such loan. However, most of them will base their requirements on some basic info and details from you alone and according to your main needs.


If you wish to apply for such loan, it is important that you are already in your legal age. You need to be at least 18 years of age. But there are some lenders today that require their borrowers to be at least 22 years of age. Make sure to clear this one out with them.

Exact address

It is a must that you provide your accurate location specifically your home address to the lender. This way you will avoid any issues in the future since this is one of the most important guidelines you should adhere according to the UK anti-money laundering and fraud regulations. This way they can be sure that you are not using anyone’s info just to apply for this loan.

Financial status

Your income will be the main source of lenders in order for them to approve your application. Having a stable job is a must for them so as to assure them that you are capable of paying them back on time. In fact, this will also be your advantage since you will avoid getting additional charges and even penalties.

Bank account details

Now you must have your own bank account so the lender will make use of this to deposit the cash you need.

Mini loans are very convenient and accessible when it comes to providing fast cash out. Here are some of their offered services which you can choose from based on your cash needs and present financial status.

  1. Mini-loans guarantor
  2. Mini-loans no guarantor
  3. Mini-loans bad credit

These are top loans which you could choose from that will help resolve your cash problems in no time at all. We will discuss these three options so you will be able to know which one will give you the best help and benefits.

Mini Loans Guarantor

Sometimes, there are lenders that require a guarantor for those who wish to apply for a mini loan. The guarantor should be of course has a good credit line and has no other records that could affect his score. It could be in fact a close friend or a relative as long as you know this person well and vice versa. This way the lender will be sure that your guarantor will be responsible for paying in your behalf in case you fail to pay them on time.

Just like any borrowers, a good guarantor should also need to prepare basic requirements. If your chosen lending company needs such person then here are some of the requirements which they must adhere.

  1. ID verification

Before the lender could help you on your application process, they must first need to check the guarantor’s and your ID for verification. The lender will need to verify the both of your exact address. Most of the time, the lender will make a call to your guarantor to make sure that they are informed and aware that you will be needing them as your guarantor.

  1. Bank account

Whether it’s going to be secured or unsecured loans, lenders will need to check the guarantor’s bank account to make sure that they could actually afford to support your loan application. They also need to provide proofs of their income tax and payslips as proof of income.

  1. Credit verification

Your chosen guarantor must have a clean and good credit line. It is important that they are a good payer so as to be qualified to be your guarantor.

  1. Address

Again, your chosen guarantor must present his present home address. This is important to be sure that they are legit and will not cause any issues in the long run.

Mini Loans No Guarantor               

If there are loans that required a guarantor, there are also those that are very easy to obtain since they do not require such. Though they are accessible, there are some simple requirements they need and in fact very easy to adhere and not that strict as compared to having a guarantor.

Logbook loans
This is the kind of loan which you need to make use of your vehicle such as your car as collateral. It has a monthly repayment plan.

Personal loans
This loan does not need any collateral from you however you must have a good credit score to be able to get approved.

These are just some of the loans which do not require any guarantor.

Mini Loans Bad Credit

Now if you are worried because of your present credit line then fret not. You will be able to get the cash help you need even if you have issues on your credit score, be it a bad credit score or even if you have no credit line at all. You can actually apply and get approved for this kind of loan. You will also find their application form provided on their site for those who have issues with their credit score. Make sure that you provide the lenders with your accurate and updated details so they will have an assurance that you will pay them back on time. You will actually get the cash you need upon application. This is very convenient and helpful, especially during an emergency.

This kind of loan has minimal requirements. People who have issues can apply for it and even those who are unemployed as long as they have another source of income. There will be no collateral or such since this kind of loan is an unsecured loan. However, make sure to pay the lenders back on time to avoid any charges and penalties which could add up to your main loan.

You have different options when it comes to mini loans. With this, you can make the right choice that would help you answer your cash issues in no time at all. Find the right online lender and choose the best loan that will match up your needs and financial status. This way you will not only get to resolve your cash problems on time but will certainly no longer need to deal with any additional charges and such in the future. Very convenient and hassle-free indeed.

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