Simple, personal loans

  • Loans up to £5,000
  • Decision in minutes
  • No fees
  • Money in your account the same day
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Rated 4.8 out of 5

Get a quote

Use our calculator to see illustrative rates. Then check your eligibility to get a personalised rate (all without affecting your credit rating)

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Representative example

Borrowing £2,000 over 24 months at Representative 39.9% APR and Interest rate 39.9% p.a. (fixed) with monthly repayments of £116.07 and a total amount payable of £2,785.68 This example is for illustration purposes only. The rate and / or term you are offered is dependent on your individual circumstances Rates from 20% APR to maximum 69.9% APR. Loan terms from 12 to 36 months.

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Representative APR

39.9%

Check for eligibility

Representative example

Borrowing £2,000 over 24 months at Representative 39.9% APR and Interest rate 39.9% p.a. (fixed) with monthly repayments of £116.07 and a total amount payable of £2,785.68 This example is for illustration purposes only. The rate and / or term you are offered is dependent on your individual circumstances Rates from 20% APR to maximum 69.9% APR. Loan terms from 12 to 36 months.

How it works

Check your eligibility

1. Check your eligibility

By answering a few questions, we'll do a quick check (without affecting your credit file) to make sure the loan is affordable for you.

Complete application

2. Complete your application

If you're happy with your personalised offer, we'll do a final credit check to make sure everything is ok.

Money paid direct

3. Money paid direct to your bank

In most cases, your money will be sent to your bank account the same day; it could even be as quick as 10 minutes.

Check my eligibility

Rated 4.8 out of 5

Loans for all needs

House

Home improvements

If you're planning improvements but not sure how to fund it then a Finio Loan could be just what you need. Lots of our customers take out a loan with us to complete their home improvement projects.

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Debt

Debt consolidation

Combining all your monthly repayments into one simple repayment might be an option for you. And, with no fees, a Finio Loan could be a good option for you.

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Weddings

Weddings

Looking for a little extra to help get the wedding of your dreams? You could borrow up to £5,000 from Finio Loans to help get your wedding plans over the line.

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Car

Car loans

Looking to find your next car or have unexpected repair bills? Take the worry out of how to get from A - B with a Finio Loan to keep you on the road.

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Loans shouldn't be hard work

We make sure it's affordable for you

We don’t want you having sleepless nights worrying about your loan, so we make sure it’s affordable for you before we send you the money.

Checking doesn't impact your credit score

You can check your eligibility for a loan with us before you apply so it won't affect your credit score.

Money paid direct to your bank account

In most cases, your money will be in your bank account the same day; it could even be as quick as 10 minutes.

Manage your personal loan online 24/7

You'll have a simple online account that puts you firmly in control of how you manage your loan.

Check for eligibility

Learn more about Finio Loans

What loans are available?
What loans are available?

We offer personal loans from £500 to £5,000. Depending on the amount you borrow and your personal circumstances, you can repay your loan over a period of 12 months to 3 years.

From bad credit loans to car loans and even wedding loans, we offer a range of loans to suit your circumstances. Plus, bad credit isn’t necessarily a barrier for taking out one of our personal loans, and you can check your eligibility today without it affecting your credit score.

How much can I borrow?
How much can I borrow?

People borrow different amounts depending on what they need it for.

We offer a range of loan amounts starting from £500 to £5,000, which might help you manage your finances or pay off any expected or unexpected bills, and can help pay for things like home improvements or debt consolidation.

For some people applying for credit can be a stressful experience. That’s why applying for one of our loans is quick and simple, and if you’re accepted, we’ll tell you exactly how much you need to pay each month so you know exactly how much you’ll be paying back.

Do I need a guarantor?
No, you dont need a guarantor for a loan with us

Our loans are no guarantor loans and are payable over periods of 12 to 36 months. You can choose to apply for the amount you need over a time that suits you. Applications are all online and all our quotes come with no obligation.

Can I apply with bad credit?
Yes you can still apply for a Finio Loan if you have bad credit.

If the loan is affordable for you bad credit doesn’t have to be a barrier to taking out a loan with us. You also don’t have to be a homeowner to be able to apply for a loan with us. All the quotes you receive, when using our online calculator, are commitment free and will help you understand what loans we may be able to offer you and what the monthly repayments would be for them.

To get a better idea of what unsecured personal loans – bad credit or otherwise – are available from Finio Loans, you can use our loan calculator above. It can show you how much you could borrow and what the repayments would be between 12 and 36 months.

If you decide to go ahead and apply for a loan with us, simply complete our online application form to get an instant response about your eligibility.

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What are you waiting for?

Check your eligibility today and get your personalised quote. All without affecting your credit score!

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