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Personal loans, made simple
- Loans up to £5,000
- Quick decision
Excellent rating
- Loans up to £5,000
- Quick decision
Excellent rating
At Finio Loans, we believe borrowing should be simple and stress-free. Whether you're planning home improvements, consolidating debt, or need a new set of wheels, we're here to help. With loans up to £5,000, no hidden fees, and quick decisions, getting the funds you need has never been easier.
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Representative 39.9% APR
At Finio Loans, we believe borrowing should be simple and stress-free. Whether you're planning home improvements, consolidating debt, or need a new set of wheels, we're here to help. With loans up to £5,000, no hidden fees, and quick decisions, getting the funds you need has never been easier.
Why Choose Finio Loans?
- Fast Decisions: Apply online and get a decision in minutes.
- No Hidden Fees: What you see is what you get – no surprises.
- Same-Day Funding: Once approved, we’ll try and pay your money the same day, sometimes in as little as 10 minutes.
How it works
1. Check your eligibility
Answer a few quick questions, and we’ll let you know if you qualify without impacting your credit file.
2. Get a personalised offer
If you’re eligible, you’ll get a loan tailored to your circumstances—no guesswork.
3. Money, in your account
Once your loans is approved, we’ll transfer the funds directly to you. This could take up to 5 working days at busy times.
Rated 4.8 out of 5
Built around your needs
What makes Finio different?
Stress-free borrowing
No hidden fees or complicated terms.
Quick, clear decisions
Get a response within minutes—no waiting around.
Always in control
Manage your loan easily with our online tools, 24/7.
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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