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Direct Lender Loans

Cut out the middleman

Direct lender loans make borrowing more straightforward, cutting out any middlemen and letting you interact directly with the lender themselves.


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Check my eligibility

( It won’t affect your credit score )

Representative 39.9% APR

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 39.9% APR to maximum 69.9% APR. Loan terms from 12 to 36 months.

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What are they

Whatever the reason, sometimes your money just doesn’t stretch far enough, so you might be looking for a small loan to help with your cash flow. Unfortunately, credit ratings can often be a huge factor in whether or not you can secure this extra help which is why here at Finio Loans, we offer direct lender loans for those with bad credit.

Our unsecured loans mean you don’t need to secure your loans against anything, nor do you need to be a homeowner. Simply submit an application for a no-commitment loan quote and your credit history won’t be affected unless you decide to complete a full application, plus you’ll receive an instant response on your eligibility - perfect for when you need cash quickly.

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What are the benefits of a direct lender loan?

A direct lender loan with a responsible lender like Finio Loans offers several benefits, including:

  • Know your eligibility and the details of your monthly repayments before you even apply, making your decision easier

  • Borrow directly from us and you can manage and repay your loan quickly and easily without the hassle of additional brokers

  • Repaying your loan early doesn’t incur any additional penalties

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Get a Quick Direct Lender Loan Quote Today

Receive your personalised quote quickly without any impact on your credit rating at this stage with soft searches in use which means there are no consequences or obligations unless you choose to continue your online application. To check your eligibility, you’ll need to provide a few details and choose your repayment period. We’ll then give you an instant response and a breakdown of what your monthly repayments would be.

Apply for a direct lender loan for bad credit with Finio Loans today. If you’d like to find out more information about our services, including our types of small loan, please get in touch.

Once you’ve submitted your application for a direct lender loan, you could receive your money the same or the next working day. However, during busy periods this could take up to 5 working days.


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Total repayable

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Check my eligibility

( It won’t affect your credit score )

Representative 39.9% APR

Frequently answered questions

What is a direct lender?

A direct lender is someone who loans money to you directly, without any middlemen or intermediaries involved. This means you can contact your loan lender directly with any questions and issues, creating a smoother and clearer process.

What are the advantages of a direct lender loan?

There are no additional fees like broker fees to pay. You also have complete control over what companies have your details as usually, a credit broker would have to approach numerous different lenders to find the credit you requested.

Can I get a direct lender loan with a bad credit score?

With the ability to shop around online for different types of loans online, getting rejected by your bank isn’t necessarily a problem as lenders like Finio Loans may be able to give you access to bad credit loans despite a low credit score. We understand that your financial history may not reflect your position now, so when borrowing money with bad credit, lenders will look at your current financial situation and other indicators to decide whether you’ll be able to afford the fixed monthly repayments on the loan by the repayment date agreed.

If you’re worried about being rejected because of your bad credit history, you can check your eligibility with us without having an impact on your credit score. We do soft search credit checks which mean your credit ratings won’t be affected at this stage. Simply enter a loan amount and term into our online loans calculator to receive your loan quote.

Can I get an unsecured direct lender loan without a guarantor?

Yes. We offer unsecured loans which mean you neither need to secure your loan against your assets nor need someone else to be a guarantor as part of your application.

Can I get a direct lender loan with no credit check?

No. Responsible lending is our priority so we carry out credit checks to make sure we aren’t lending to anyone who can’t afford it.

What is the criteria to get a direct lender loan?

As with most loan providers, our lender requirements are that you’ll need to be over 18, a UK resident, employed and have a bank account and debit card to complete a loan application. In terms of income, you should be able to comfortably afford monthly payments from your regular income - for example, as a guide, £700 per month would be a minimum. We’ll look at your credit history and personal finances before making our decision.

How long will it take before receiving the direct lender loan?

Applying for any loan with Finio Loans is quick and simple and you’ll find out if you’re eligible within minutes. After that, if you meet the loan approval criteria, 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.

What is an APR?

APR is the annual percentage rate and important for calculating the cost of money borrowed. Interest rates, fees, how often it’s charged and all other costs contribute to the APR. Representative APR is the APR we'll offer to at least 51% of people who are accepted - it's not a guarantee. The remaining customers that are also accepted will be offered a different APR than the one advertised based on individual circumstances. Please note, the APR offered is based on your personal situation and is dependent on many different factors. As such the APR offered may be different from the representative APR.

Will I pay a higher rate if I have bad credit?

Yes, you might. As a lender, we offer our representative APR of 39.9% to at least 51% of customers who are accepted for a loan. If you have bad credit, you may be charged a different rate.

What repayment terms are available for direct lender loans?

For our online direct lender loan, you can borrow from 12 to 36 months.

Can I top up my direct lender loan?

If you find the amount you’ve chosen isn’t enough, you may be able to top up your loan in the future if you become eligible. You can check your eligibility through your online account.

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Open Banking Loans

An open banking loan from Finio Loans could help you with the finance you need. We offer loans from £1000 to £10,000, get a quick quote online today.

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Instalment Loans

You can apply for a variety of instalment loans online with different monthly payment options, quickly and easily with us. Our instalment loans can range from £500 to £5,000.