Loans like Savvy offers fast, unsecured loans over 6-12 months to people with less-than-perfect credit histories. Use our loan finder to find similar lenders that can offer you a loan.

Warning: Late repayment can cause you serious money problems. For help, go to

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

For those who feel let down by mainstream lenders, either because they don’t meet eligibility criteria or because their credit history is less than perfect, companies like Savvy can provide access to loans ranging from £300 to £1200 (albeit at relatively high interest rates). You don’t have to be a homeowner or have perfect credit to get approved for its loans, but as a responsible lender it will run affordability checks including a credit search before approving a loan application.

It’s important to compare different providers before taking out a loan. While Savvy may suit borrowers with bad credit, if you have good credit it may turn out to be more expensive than alternative providers. If you have bad credit but could find a guarantor (that’s a friend or relative who promises to pay off the loan if you don’t) with good credit, then once again, you may be able to access cheaper loans.

What is Savvy?

Savvy provides online, unsecured instalment personal loans which are not secured against any assets. These are short-term, flexible loans with loan amounts from £300 to £1,200 repayable in 6, 8 and 12 months.

Discover loans like Savvy

NameRepresentative APRLoan amounts
Savvy Personal Loan Savvy Personal Loan 1289.3%. £300 to £1,200
Bamboo Personal Loan Bamboo Personal Loan 49.7% £2,000.00 to £15,000.00 Check eligibility
Progressive Money Personal Loan for Homeowners Progressive Money Personal Loan for Homeowners 61.91% £1,000 to £15,000 More info
Everyday Loans Personal Loan Everyday Loans Personal Loan 99.9% £1,000.00 to £15,000.00 Check eligibility
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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Written by

Chris Lilly

Chris Lilly is Head of publishing at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full profile

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