Personal loans made simple

From £500 to £5,000.

With loans up to £5,000, a decision in minutes, no fees and money in your account the same day we’re helping thousands of people borrow the money they want to.

I want to borrow

Over

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Total repayable

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Check my eligibility

( It won’t affect your credit score )

Representative 39.9% APR

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.

Simple borrowing experiences

You’ll know if you'll be accepted before you apply

We understand that for some people applying for a loan can be a little daunting. And if you have bad credit this can be especially true. However, whether you have bad credit or not, you can use our loan calculator to check if we can give you a loan without it affecting your credit score.

Manage your loan online

It’s all online. You’ll have a simple online account that puts you firmly in control of how you manage your loan. You can even chat to us online if you need some extra help and support along the way.

Borrow more later

Circumstances change and if you find you need to borrow more, and you’re eligible, then one of our Top Up loans could be just what you need. And, depending on your circumstances, we’ll always try to get you on a better rate.

See what our customers think

Our story

10 years

Since we launched

95 people

In our team

100,000+

Customers with one of our loans

£700M+

Lent to UK customers

About us

I want to borrow

Over

${ loanTerm } monthly repayments of

£${ monthlyRepaymentAmount | formatCurrency }

Total repayable

£${ totalRepayableAmount | formatCurrency }

Check my eligibility

( It won’t affect your credit score )

Representative 39.9% APR

Learn more about Finio Loans

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?

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 don’t 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.