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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.

Finding the Best SMS loans Support

Key points

  • Loans are quick and easy to apply for and usually have competitive interest rates
  • Loan amounts are typically smaller than with other lending types up to and around £100
  • Loans can be used for any purpose such as consolidation, emergencies, home repair and car repairs

There is nothing more annoying than to run out of cash especially during those times when you need it most. This could cause a lot of issues especially when your next paycheck is not yet due until the following month.

Good thing there are now loans which you can easily acquire that will help resolve your cash problems. The only key here is to find the best lender that will discuss to you how this kind of loan actually works. It is important that you learn more about SMS loans so as to avoid further problems. The first thing you need to do is to learn more about it and find the best SMS loan lender.

If you haven’t tried the SMS loans before then it will give you tons of benefits to learn more about it first. Through online you will surely find tons of articles about SMS loans. This kind of loan is readily available and you could obtain it without further paperwork and requirements. As long as you will be able to pay the lender back on time then you are qualified to apply for this loan. However, it is important that you find the best SMS loans lender first.

Why SMS Loans Are So Useful

Sms loans are very much preferred by those who are planning to have a small business. They can actually use the loan to help them start up with their plans. It is also a good back up cash in case they need to buy more products for their business.
When searching for the best SMS loans lender make sure that you go online and do some research. It is important that you learn how the SMS loans actually work. If you are planning to use the money in your business then make sure that you fully understand the mechanics of SMS loans.

Doing so will provide you the benefits it has to offer and avoid you from dealing with more complicated problems in the future. Through online you will also get to read reviews from previous clients who already tried the SMS loans. From their word you will surely learn a lot about SMS loans and how it could help you out. These reviews and comments will also help you choose the best SMS loans lender.

Find The Right SMS Lender

Another great way to help you learn more about SMS loans is to ask around. If you have a coworker or even a relative who already tried the SMS loans then you can ask them for some assistance. Discuss with them how this kind of loan works and how it could help you out. They will actually even help you find the best SMS loans lender online. If they have found the best SMS lender then you should ask for some referrals. Through their recommendations, you will be able to find the best SMS loans lender. Once you have found the right lender, make sure to set up an appointment to further discuss the matter over. It is important that you get the necessary details about SMS loans.

SMS Text Message Loan FAQ’s

How do SMS Loans Work?

SMS or text message loans are a convenient method for obtaining smaller amounts of cash in a more convenient manner than having to physically go to a bank branch or other lending institution and fill in application forms. As the name implies, customers can apply for a smaller cash loan by sending a text message to a dedicated number. If their application is approved, the money is often deposited directly into their bank account within a matter of an hour or so at the most.

Before being able to apply for quick mobile loans, you will have to set up an account with the company you want to apply with. During the registration process, you will need to provide details regarding your income and expenses. This will enable the lender to determine whether you can afford to repay the loan you require or not.

What Advantages are there to Quick Mobile Loans?

  • Some of the main advantages of applying for mobile loans are that they are quite easy to apply for and the approval process is usually also fast. If you are approved for an SMS loan, funds are often transferred into your bank account almost immediately (during standard working hours).
  • Another benefit of SMS loans is that you can apply for them even if you have a bad or non-existent credit rating. However, your credit history could have an effect on the amount of interest that will be charged on your loan.
  • Once you have been approved for a £100 loan by text from a specific financial services provider, it is normally a lot easier to reapply for subsequent loans through them at a later stage because they will already have your information on record.

Will I Pay Interest on Mobile Phone Loans?

Regardless of the service provider you obtain your SMS loan from, you will be required to pay interest. As a result, it is crucial to ensure that you always pay all instalments on time.

How much does it Cost to Apply for a £100 loan by text?

When applying for text message loans through us, no application fees will be payable. You are also under no obligation to accept the loan if you change your mind.

How will I know if my Quick Mobile Loans Application has been approved?

The online status tracker on our website will enable you to see the progress of your application at any time, and if you obtain approval, you could have cash in your account in as little as an hour after applying. We ensure that you are matched with the right mobile loans direct lenders the first time so that your loan application process goes as smoothly as possible.

Is my Information Secure when Using the Loanovao Site?

Absolutely! None of the personal information you provide to us will ever be sold or shared with third parties.

After Obtaining my Fast Text Message Loan, what can I use the Money for?

Absolutely anything you like. For instance, if you have has an unexpected car repair, home repair or other emergency, our mobile phone loans can come in handy with helping you cover the cost. In fact, some people even obtain text message loans from us so that they can start small businesses or purchase much needed school uniforms for their children.

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