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Borrow up to £995 when You Apply Today

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Responsible lenders

Rates from 278% to 1576%

3-12 month repayment



Borrow up to £25,000 when You Apply Today

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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.

Online Loans: Best Cash Solutions for Everyday Needs

There’s nothing more frustrating than to run out of cash. Imagine those high piled bills sitting on your dresser waiting to get paid on time. Can this be actually possible if you are only relying on your monthly salary? Not to mention those unexpected situations like having a sick kid or a broken car. Now that would be more stressful. Good thing there are now solutions which you can easily obtain. If you wish to end your cash problems on time then better make the right choice when it comes to online loans. You will certainly find tons of them being offered online. Though they are all very much helpful, it is still important to get the very best that will match up your needs and financial status. Let us take you there today.

Online Loans From Direct Lenders

Since there are different kinds of loans today that are being offered online, it is a must that you only make the right choice. You will find those unsecured and secured loans which are in fact all very much helpful. However, if you are a newbie then choosing the right one can be quite tricky. This is the time when you will need more assistance that comes from a professional. It is a must that you choose your lender whom will help you with your application, from the processing up to the repayment plan. But again this can be quite hard since there are tons of them online. Here are some pointers to consider that would help you choose and make the right decision when it comes to those online loans direct lenders today.

Since the entire transaction will be done online, it is important that you find a legit direct lender. So to find one? Make sure they are legible when it comes to those offered online loans. One of the most important reminders which you have to hold that would help you find the best lender is by checking out if they are credited by the FCA. Usually, you will find a banner or ad on the lower part of the lender’s site directly linked on the FCA main webpage. This way you will be sure that you are actually making deals with the right person and company. Bear in mind there are tons of online scammers today. Be extra careful.

Customer Care Service
If you wish to find out more about those offered online loans then better check them out with their customer care. A good and reliable direct lender should have online 24/7 customer care service. Through them, you can actually ask more about their offered online loans such as their deals, interest rate and repayment plan. With the info and details, you will gather, you will then be able to understand how each of those online loans actually works and if they are capable of providing the cash help you need.

Another great way that would help you determine if a certain direct lender is certified and able of giving out immediate cash help is through the quotes they will give to you. It is important that they do not overcharge their clients, be it with the interest rate or other charges. Those quotes should be reasonable enough and update at all times. These quotes will also help you compare from other lenders online so as to help you see which one will do you good.

Online Loans For Bad Credit Customers

In reality, one of the most common issues which borrowers tend to deal with while applying for a certain online loan is their credit line. If you are one of them then you will still find solutions that would help you get the cash assistance you require. In fact, people who are dealing with issues on their credit line and score will find the best kind of online loan that would provide them fast cash out. Here are some amazing things you should consider as regard to this kind of loan offer.

Fast approval
Unlike other loans offered by banks today, this particular kind of online loan will certainly provide you with the cash help you need the same day upon application. Lenders will no longer ask where and how you will spend the cash you wish to borrow from them as long as you will give them an assurance that you will pay them back on time. There are even those online loans for bad credit which could provide cash out in a matter of minutes! This is very convenient especially during an emergency situation, right?

Readily available
Since these loans are readily available online, you will certainly find it very easy to apply by the use of your smartphones and tablets. This is in fact very much accessible especially if you need the money right away. For instance, you are in the hospital and need fast cash out for medical assistance then this will certainly provide you amazing deals. You will find those providers which are giving text applications for their clients.

Minimal requirements
Unlike other offered online loans today, this one with bad credit has minimal requirements. In fact, the main concern of those lenders today when it comes to those borrowers who have a bad credit score is to that they must be employed or have other means of income. This way, lenders will have an assurance that they will be able to pay them back on time. Some other needed requirements are bank account and update contact info. Bear in mind that this loan may be easy to obtain but has a high-interest rate. This is the reason why lenders need some proofs that you are very much capable of paying the loan back. Doing so will help you avoid paying additional charges.

Online Loans With No Guarantor

One of the best things about these online loans is the fact that they are mostly unsecured. This simply means that you can apply for it even with no guarantors. These loans are easy to obtain and will not ask for any complicated requirements as compared to those regular loans offered by most banks today. If you wish to find out more about those online loans with no guarantor, here are some of them.

Logbook loans
Though most of those online loans offered today are unsecured loans, this one is, in fact, a secured loan. If you have a car or any vehicle registered under your ownership then this loan will be able to provide you cash assistance. Your vehicle will act as collateral. This simply means that you can still drive your car but the lender will be holding its V5 or logbook documents. The usual repayment plan for such loan extends to 1-3 years.

Payday loans
This is one of the most sought-after online loans today because of its accessibility. In fact, if you will just spend some time browsing and researching for those reliable online loans then you will find this one on the top list. Since this loan can obtain through online and even get to give out fast cash out (in a matter of minutes!) than those who are in dire need of cash favour this lot. People who rely on their monthly compensation find this online loan very convenient since it helps them get cash on hand until they received their next paycheck. But just like any other unsecured loans, this one might be easy to obtain but has a high-interest rate. Make sure to pay the lenders back on time to avoid additional charges in the end.

Home loans
Now here’s another amazing online loan which you can easily obtain. Let me share some info about it. This particular online loan is actually just like those other online loans which you can easily obtain through the lender’s site. However, with this one, a representative of the lending company will visit you in your place. Upon visitation, the representative will let you read and sign the contract. You can actually discuss more your loan as well as the repayment plan they are offering. The money you need will be handed over right after you’ve signed the contract. Instant cash on hand! Normally, the representative will come back weekly to your place to collect your payment. Very convenient, right? This applies to those who have a busy schedule.

Online Loans With A Guarantor

Most secured loans actually need a guarantor. But not just any guarantor since they require certain qualifications when it comes to this matter. It is important that you have a legible guarantor so as to avoid any hassle in the future. Find someone who could provide assistance to you in case you are not able to pay the lender back on time. Here are more of the requirements which you need to apply in order to find the best and most qualified online loan guarantor today.

Compare the offered amount of loans
The first thing you need to consider is their offered amount of loans. In fact with the help of those online loans with guarantor, you can actually apply for a large amount ranging from £100 and £10,000 even if you have issues on your credit score as long as you have a legible guarantor standing by. Though it is very much tempting to borrow a large amount of cash, it is still important to only get the amount you need. This way you will not have a hard time paying it back on time.

Loan term
Another important thing to consider helping you get the cash help you need from an online loan with a guarantor is their offered loan term. It is a must that you choose the right loan term that would suit your needs and financial status.

To help you find the best online loan guarantor, make sure that you compare their offered quotes. They too must have a good credit line. Usually, you can choose from a loyal friend or your closest relative. They must be responsible and reliable at the same time since they will be the one who will help you most.

Instant Online Loans UK

Bear in mind that these online loans may be easily available and obtainable but they still might have different requirements. So to help you out, here are some of the basic things you need to prepare in order to make your online application less stressful.

It is important that you have legible and updated identification card at all times. Lenders might need some identification proofs of you wherein they could find your exact address and other contact info. This also applies to those loans that require guarantors.

Bank account
Since the entire transaction for most online loans will be directly done on the lender’s site, they will need an update bank account from you. Through this, they will deposit the money on your bank account. It is actually hassle-free since you can withdraw the cash anytime of the day.

Financial status
Another important thing to consider is your financial status. It is important that you are presently employed or have another source of income. This way you will be able to pay the lender back on time. Bear in mind its high-interest rate at all times. In fact, online lenders will certainly ask for details as regards to your employment. This is their number one requirement for an online loan application.

Though getting the right online loan can be quite complicated especially for those who have no idea which one will suit them best, it is still the best option to get fast cash out. With this, there’s no need to wait for days just to hear from the lender again. You will surely get the cash out the same day as long as you will provide all the necessary requirements which those online lenders need. With this info and details, we shared with you today, you will not only get to learn more about those effective online loans but will certainly be able to find the best lender as well.

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