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Short Term Loans

£50 - £995

Online decision

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.

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.

Money Loans To End Your Cash Issues

Are you relying on your monthly compensation alone? I’m sure you run out of cash from time to time. One of the easiest ways to get fast cash help is to borrow it from a close friend or relative, right? But what if this person has no cash on hand as well? Now that would cause a lot of stress. Good thing there are now solutions which you can obtain that will surely provide you immediate cash help. You can now easily apply for a loan and get the cash you need in no time at all.

We understand just how hard it is to run out of cash. What if you need to attend to your sick kid? What if the pipeline in your house suddenly decided to retire? These are just some of the most common issues which you will surely deal with especially during an emergency. But with the vast availability of money loans these days, you can even find them being offered online, right? This simply means that you can apply for it and get the cash you need in no time at all. But before you could finally enjoy its benefits, it is important that you actually learn the mechanics of this amazing loan today.

Money Loans In An Instant

If you wish to get fast cash help then you should apply for a loan that offers such kind of service such as the money loans. You will actually find lending companies today providing such kind of loans since it is very accessible and convenient for their clients. The actual application is easy and hassle-free as compared to those loans offered by regular banks. You only need to find a legit one so as to gain its offered benefits. Since there are tons of them online, make sure to do some research to help you fully understand how this amazing loan actually works. You also need to ask for quotes so you will be able to see which quote will match up your needs and financial status.

Money Loans for Bad Credit Customers     

One of the many issues which most borrowers are worried about is their credit line. Most loans actually need the borrower to have a good credit score. This simply implies that if a borrower has a good credit line then he is capable of paying the lender back on time. There’s no need for those lenders to worry a thing about the repayment plan. However, for those who have issues on their credit line, it is important that they only find the right kind of loan that would help them resolve their cash problems and will not cause further issues in the future.

With money loans for bad credit, they can be sure that they will actually get the approval they need. They will be able to obtain the cash help they need upon application. However, the only main concern of those lenders from their borrowers is the fact that they are capable of paying them back according to the repayment plan they both have agreed upon. So this means that the borrower must have a stable job or another source of income to get the approval they need. This loan is actually one of the easiest loans for those who have credit line issues.

Another amazing thing about this loan is that you can actually help boost your credit score in the long run. That is by paying the lender back on time. You will not only improve your score but also avoid getting additional charges and penalties.

Money Loans With A Guarantor

Normally when we speak about secured loans, lenders need strict requirements and such. They usually need a guarantor before you could get the approval you need for your application. But since money loan is an unsecured loan, there’s no worry about it. However, there are some lending companies that still need a guarantor. In case your chosen lending company needs one then let us help you prepare those basic requirements which will help your guarantor for sure.

The first things which a guarantor needs to prepare are some identification cards with his present address. This way the lender will know that this guarantor is legit and are not using just anybody’s address just to help you out with your application. The lender also needs the guarantor’s bank account and financial status. With this, the lender will have an assurance that your chosen guarantor has an income or employed. This way they will know that in case you will not able to pay them back on time then your guarantor will be able to help you pay it on your behalf. In fact, money loans with guarantor can provide you large amounts of loans anywhere from £1,000 and £10,000 even if you have issues with your credit line. However, it is reasonable to borrow the amount of cash which you only need so as to avoid any issues paying the lender back on time. Bear in mind that once you did not adhere to this then your guarantor will be responsible for paying them back. With the right lender and guarantor, you can take out a guarantor loan with an APR of 30%.

Money Loans With No Guarantor

Now when we talk about money loans with no guarantor then these are the kinds of loans that are unsecured. Some of the loans under this have some strict requirements such as by having a collateral and such. If you haven’t heard about those money loans with no guarantor then let us help you find out more about them.

It is important that you actually find and make use of the right loan. Make sure to do some research first especially if you are a newbie. This way you will be able to find the kind of loan that will answer according to your cash needs and financial status.

Payday loans

This is one of the most in demand and we must say very much preferred loans online today especially here in the UK. It is not just easy to obtain but you will certainly get the cash you need in no time at all. Since it is an unsecured loan then expect it to have almost 57% interest rate. Paying the lender back on time is actually the main key here so as to avoid additional charges and such. This loan is accessible online and you will certainly find tons of lending companies offering such kind of loan. It is also the kind of loan which those who rely on their monthly salaries prefer. They will get the cash they need the same day upon application but needs to pay the lender back the following month.

Logbook loans

Now if you wish to borrow cash and you own a vehicle like a car, for instance, then a logbook loan will be your best bet. This particular loan needs collateral which will be your vehicle. Once you paid the lender back according to your agreed repayment plan then you will be able to get your vehicle back. But don’t worry you can still drive it even if you are still not yet paid. However, the vehicle registration will be under the ownership of the lending company. So if you wish to see your beloved car again, make sure to pay them back on time.

Personal loans

With this loan, your personal credit rating will be the main basis for lenders to consider before they could provide you with the approval you need. This loan is actually a long-term loan which will allow you to borrow cash with the amount of £25,000 for over 7 years. You can obtain such loan from banks and other traditional financing institutions as well as online. Since the competition for such loan is very much in demand then you will certainly find a lending company that will not only provide you with the best deal but will also have the most reasonable charges.

Money Loans From Direct Lenders

Before you can actually obtain the benefits of these loans above, you actually need to find the best and most reliable direct lenders online. It is important that you find and only trust the best one. Bear in mind that the entire transaction for such loan is through online so be extra careful whom you will trust. Doing so will help you avoid getting scam.

The first thing you need to consider to help you find the best direct lender is their credibility. Are they licensed and registered at FCA? Normally, one of the bases that would help you see if a certain lender is legit is through the ad they have on their main site which will direct you to the main site of FCA. If you will not see such footnote or ad then better opt for another lender. This way you will avoid any issue in the future.

Next thing you should consider that would help you find the best direct lender for such loan is through their repayment plan. Are they providing reasonable interest rates? A good lender will not only provide you with the assistance you need on your application but most of all will give you reasonable rate so as to help you pay them back on time. Another great thing to consider that would help you find the right direct lender is based on those reviews posted by their clients. Make sure to read them so you will be able to determine if your chosen lender is the best one for you or not. It is also a good thing to consider their terms and conditions, compare them and see which one has the best offer. This section will help you fully understand more about money loans and just how the right amount of charges you should get.

Compare Money Loans UK

It is always a good idea to compare whichever details you got, from quotes to deals. This will help you see which lender is capable of providing the best offer that will match up your needs and financial status. Never opt for the first one you will come across the net. Bear in mind that every lending company, as well as those lenders, will surely offer you promising offers and deals. They will surely show you amazing services since the competition for such loan is high. They will surely do everything just to get their clients. Take down notes as this will help you see and pick the best option online. Once you narrowed down your list, again, do compare them according to their deals and offered services and repayment plans. Try to visit their customer care service as well so you would be able to gain more info and details on their company. Bear in mind that a good lending company has the best customer care service. This will surely provide you amazing advantages which will help you gain the benefits of your chosen loan online.

In reality, we cannot stop or even see what the future may bring. From time to time, you will certainly need to deal with those cash issues. Though you can always borrow from a reliable source, it is still a great idea to have an alternative solution such as by applying for a loan. Since this kind of solution is legal, you will not have any problems with it in the future. The most common issue which you might encounter on this solution is the fact that you should pay the lender back on time to avoid any of those stressful charges and penalties. But with the details we shared with you today, you will not only get to find the perfect kind of loan that will match up your needs and financial status but will also provide you more guidelines that would help you find the best lender online today. Apply them all and soon when you run out of cash, you will have the best knowledge you need to end your cash issues in no time at all.

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