Use our Finio Loans loan calculator to evaluate how much you'd pay back on a fixed-rate, unsecured Finio Loans personal loan as a new or existing customer. Loan amounts between £500 and £5,000 with rates starting from 39.9%.
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Our calculator lets you pick how much you want to borrow over a time frame that suits you, so you can estimate how much you would pay back each month and pay back overall. We base our calculations on Finio’s representative APR, but it’s important to note that your circumstances can affect the rate you’re offered.
Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
How do Finio loans compare against the competition?
See today's rates from across the personal loan market.
The Finio Loans Personal Loan charges 39.9%APR representative on loans between £1,000 and £5,000. Finio Loans offers the unsecured personal loan with repayment terms between 1year and 3years, and applicants can apply to borrow from £500 to £5,000.
Key features of a Finio loan
Loan type
Unsecured Personal Loan
Loan amounts
£500 to £5,000
Loan terms
1 year to 3 years
Loan rate type
fixed
Fee
0%
Same-day funding available
Instant decisions in most cases
Soft-search facility available
Joint applications
Overpay without penalty
Concurrent loans allowed
Topping-up pays off existing loan and initiates a new loan
Repayment methods
Direct debit,Standing order,Cheque,Electronic transfer
What is Finio Loans?
Finio Loans is owned by Oakbrook Finance and offers unsecured personal loans aimed at those with poor credit. You can borrow from £500 to £5,000 over a term of 1 year to 3 years. Finio Loans is regulated and authorised by the Financial Conduct Authority (FCA).
As well as looking at your credit score to establish your creditworthiness, Finio Loans may use Open Banking to connect to your bank account and get a clearer picture of your financial situation. This helps the company to assess whether your loan will be affordable and right for you.
Am I eligible for a Finio Loan personal loan?
To be eligible for a Finio Loan personal loan, you will need to:
Be aged 18 to 73.
Be a UK resident.
Have some UK credit history.
Have a UK bank account.
You can apply for a loan even if you have a poor credit score, so long as you haven’t been made bankrupt in the last 12 months.
Finio Loans offers an eligibility checker so you can see how likely you are to be accepted for a loan and get your personalised rate without affecting your credit score.
How to apply for a Finio loan
If you want to apply for a Finio loan, follow the steps below:
Check your eligibility. Answer a few questions and provide your contact details and address history via Finio’s eligibility checker to see whether you’ll be accepted.
Complete your application. If you’re happy with your personalised offer, complete the online application form and a full credit check will be carried out.
Funds are transferred. Once your application is accepted, the funds will usually be sent to your bank account the same day – often in as little as 10 minutes.
Note that, in some cases, you might be asked to provide supporting documents, such as a copy of your driving licence or proof of income. You can upload this online as part of the application process.
Once you’ve received the funds, you’ll have a simple online account to help you manage your repayments.
How much does it cost?
Finio loans have a representative APR of 39.9%. However, the APR offered depends on your individual circumstances and could be higher.
There are no arrangement fees or early repayment fees to pay with Finio loans. However, the firm will charge interest if you decide to pay back your loan early. It can charge up to 28 days’ interest to cover the period between your last repayment date and the settlement date.
It’s important to only ever borrow an amount you can afford to repay and make sure your monthly repayments are manageable.
All interest rates are fixed for the duration of your repayment period. However, the rate you’re offered depends on factors including the amount you apply for, the loan term, your credit rating and your income. It may differ from the advertised “Representative APR”.
APR and Representative APR explained
The Annual Percentage Rate (APR) is a summary of the yearly cost of a loan. It takes into account both interest and any unavoidable charges you'll need to pay (for example an arrangement/product fee) over the duration of a loan. Because Finio Loans doesn't charge an arrangement fee, its APR comprises just the interest rate – and so they're one and the same.
However, the vast majority of lenders tailor rates (and therefore APRs) to the individual applicant. If they think you're a riskier bet, they'll offset that by offering you a higher APR. The "representative APR" (as defined by the Financial Conduct Authority) is what Finio Loans gives to at least 51% of those who take out the loan. The other 49% could pay more. Finio Loans must calculate APR in the same way as other lenders, and must tell you your personal APR before you sign a loan agreement.
Finio Loans advertises a representative APR of 39.9% on loans between £1,000 and £5,000 on the Finio Loans Personal Loan.
What do customers say about Finio Loans?
77% of customers we surveyed in 2026 would recommend Finio Loans to a friend.
It provides an accessible option with a fast application process, often releasing funds on the same day.
While some users report helpful customer service capable of arranging temporary reduced payment plans during difficult periods, others experienced the opposite, citing inflexible support when struggling with late payments. Given its market position, users consistently note that the interest rates are understandably high.
AI-generated summary from the text of customer reviews on Finder.
Frequently asked questions
Once you’ve applied for a loan, you should get a decision within 24 hours. If accepted, the funds are usually transferred to your account on the same day. In some cases, it may be the next working day.
Yes, as long as you’re approved, you can top up your loan. Finio Loans adds any existing balance to the additional money you want to borrow and creates a new loan for the new total amount.
Likely Loans was a loan provider owned by Oakbrook Finance. However, it has been replaced by Finio Loans.
Sources
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.
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Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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