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Representative 39.9% APR
1. Borrow from £1,000 to £5,000
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.
2. Fixed repayments with no hidden charges
If you're happy with your personalised offer, we'll do a final credit check to make sure everything is ok.
3. Simple, supportive process
We aim to pay your money into your bank account the same day you are approved. During busy times, it may take up to 5 working days.
We understand that a credit score doesn’t tell your whole story. Our approach looks at more than your credit file — because we believe everyone deserves financial tools that are fair and accessible.
Loan uses:
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.
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.
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 to get your wedding plans over the line.
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.
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
We aim to pay your money into your bank account the same day you are approved. During busy times, it may take up to 5 working days.
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.
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.
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.
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.
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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