{"id":526078,"date":"2024-03-21T12:04:32","date_gmt":"2024-03-21T12:04:32","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=526078"},"modified":"2026-04-20T14:18:10","modified_gmt":"2026-04-20T13:18:10","slug":"finio","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/finio","title":{"rendered":"Finio loan calculator"},"content":{"rendered":"<div class=\"fin-text-grey text-x-small has-margin-bottom\">Table: sorted by representative APR, promoted deals first<\/div><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\nvar getEventToListenTo = () => {\n  if (window.matchMedia('(any-hover:none)').matches) {\n    if (window.matchMedia('(max-width: 450px)').matches) {\n      return \"scroll\";\n    }\n  }\n  return \"DOMContentLoaded\";\n};\nvar eventToWatch = getEventToListenTo();\nconst loadFinderScoreModalukfpl = () => {\n  setTimeout(function(){\n   window.loadOnTheFly.html(\n      'partial', {\n          id: 'finder-score-ukfpl-modal-optimized',\n      },\n      function (response) {\n          document.getElementsByTagName(\"body\")[0].appendChild(response);\n          var modal = document.getElementById('finderScoreModal-ukfpl');\n          var closeButton = modal.querySelector(\"#closeButton\");\n          closeButton.onclick = function (event) {\n            modal.classList.add(\"elementHidden\");\n          };\n          var btnReadMethodology = modal.querySelector(\"#btnReadMethodology\");\n          btnReadMethodology.addEventListener(\"click\", function(e) {\n            modal.classList.add(\"elementHidden\");\n          });\n          window.onclick = function (event) {\n            if (event.target == modal) {\n              modal.classList.add(\"elementHidden\");\n            }\n          };\n      }\n  );\n  },1000);\n  window.removeEventListener(eventToWatch, loadFinderScoreModalukfpl);\n};\nwindow.addEventListener(eventToWatch, loadFinderScoreModalukfpl);\nvar showFinderScoreModal = (niche) => {\n  var existCondition = setInterval(function() {\n    const modalLoaded = document.getElementById('finderScoreModal-ukfpl');\n    if (modalLoaded) {\n      clearInterval(existCondition);\n      modalLoaded.classList.remove('elementHidden');\n    }\n  }, 500); \/\/ check every 0.5s\n}\n<\/script><div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"29d12090-4679-4f5e-a99f-f5ae52d46974\" data-template=\"comparison\" data-niche=\"UKFPL\" data-site=\"UKFPL\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"newerdefault\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"526078\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFPL\",\"fieldset\":\"newerdefault\",\"template\":\"comparison\",\"category_id\":\"29d12090-4679-4f5e-a99f-f5ae52d46974\",\"category_name\":\"finio\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1777523045}' data-disable-alternative-products=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"1af0bbc8-c530-4876-a426-6a101cb54c05\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col \"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-29d12090-4679-4f5e-a99f-f5ae52d46974\">1 of 1 result<\/span><\/small><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFPL\" data-site=\"UKFPL\" data-table-id=\"3450\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFPL\",\"fieldset\":\"newerdefault\",\"template\":\"comparison\",\"category_id\":\"29d12090-4679-4f5e-a99f-f5ae52d46974\",\"category_name\":\"finio\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1777523045}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfpl\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"1\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"67740745fa5c0b861a1fd36707c26335bbdd7b327a27c45430497ede7ca8b8a5\" data-table-record-type=\"product\" data-table-record-ids='[\"e0327ac1-ebae-4b73-9c43-67ee6506eebb\"]' data-total-data=\"1\" data-enable-top-filters=\"false\" data-total-product-count=\"1\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-4\"><th data-mobile=\"hide\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFPL.PRODUCT.DATAPOINT_LOAN_AMOUNTS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_amounts\">\n                                                        Loan amounts\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFPL.PRODUCT.DATAPOINT_LOAN_TERMS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"loan_terms\">\n                                                        Loan terms\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-desktop=\"hide\" data-ajax-table-sorter-column=\"UKFPL.PRODUCT.UKFPL_FEE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fee\">\n                                                        Fee\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-sorter=\"fin-currency\" data-ajax-table-sorter-column=\"UKFPL.PRODUCT.DATAPOINT_UKFPL_MONTHLY_PAYMENTS\" class=\"comparison-table__feature calculator-data string-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"repayments\">\n                                                        Repayments\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><\/tr><\/thead><tbody><style>\n\t.rewards-infobox .deals-banner { display:flex; flex-direction: row; border-radius: 16px; border:1px solid #000; overflow: hidden; }\n\t.rewards-infobox .deals-left { background:#FFD238; display:flex; flex-direction: column; align-items:center; justify-content:space-between; position: relative; width: 110px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-left { width: 110px; } }\n\t.rewards-infobox .deals-right { background:#1a50ff; color:#fff; padding: 8px; display:flex; flex-direction: column; gap:2px; justify-content:center; flex: 1; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-right { padding: 8px; } }\n\t.rewards-infobox .deals-phone { position: absolute; top: 8px; left: 12px; }\n\t.rewards-infobox .deals-ends { color:#000; font-weight:800; font-size:12px; line-height:12px; padding:6px 10px; font-style: italic; border-radius: 9999px; display:inline-flex; align-items:center; text-transform: uppercase; display: none; }\n\t.rewards-infobox .deals-ends-text { padding-top: 2px; }\n\t.rewards-infobox .deals-header { display:flex; align-items:center; flex-wrap: nowrap; gap:4px; cursor:pointer; }\n\t.rewards-infobox .deals-amount { background:#FFD23B; color:#232320; font-size:32px; line-height:28px; letter-spacing: -0.75px; text-transform: uppercase; padding: 2px 4px 0 2px; border-radius: 4px; font-style: italic; font-weight: bold; font-size: 30px; }\n\t.rewards-infobox .deals-title { color: white; text-transform: uppercase; font-style:italic; font-weight:bold; font-size:16px; flex: 1; }\n\t.rewards-infobox .deals-list { display:flex; flex-direction: column; flex-wrap: wrap; gap:2px; margin: 4px 0 2px; cursor:pointer; }\n\t@media (min-width: 768px) { .rewards-infobox .deals-list { flex-direction: row; row-gap: 4px; column-gap: 20px; } }\n\t.rewards-infobox .deals-step { display:flex; align-items: baseline; gap:4px; }\n\t.rewards-infobox .deals-step-num { background:#FFD23B; color:#000; display:inline-flex; align-items:center; justify-content:center; font-weight:bold; font-style: italic; border-radius:2px; font-size:12px; margin-top:2px; line-height: 12px; padding-top: 2px; min-width: 11px; }\n\t.rewards-infobox .deals-step-text { color:#fff; font-size:12px; line-height:16px; font-weight: bold; }\n\t.rewards-infobox .deals-disclaimer { color:#E8EEFF; font-size:12px; margin-top: 4px; width: fit-content; }\n\t.rewards-infobox .deals-disclaimer a { color:#BFD0FF; text-decoration: underline; font-size: 12px; }\n\t.rewards-infobox .rewards-end-date { font-size: 12px; }\n\t\n\t\t.rewards-infobox .deals-countdown {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tmargin-top: 8px;\n\t\tflex-wrap: wrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__label {\n\t\tcolor: #fff;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\tpadding-right: 6px;\n\t\twhite-space: nowrap;\n\t}\n\n\t.rewards-infobox .deals-countdown__timer {\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tgap: 4px;\n\t}\n\n\t.rewards-infobox .deals-countdown__unit {\n\t\tdisplay: inline-flex;\n\t\talign-items: center;\n\t}\n\n\t.rewards-infobox .deals-countdown__value {\n\t\tbackground: #FFD238;\n\t\tcolor: #000;\n\t\tfont-size: 12px;\n\t\tfont-weight: 800;\n\t\ttext-align: center;\n\t\tfont-style: italic;\n\t\tmin-width: 24px;\n\t\tmin-height: 14px;\n\t\tline-height: 100%;\n\t\tletter-spacing: -0.025em;\n\t\tfont-feature-settings: 'tnum' on, 'lnum' on;\n\t\tpadding: 2px;\n\t}\n\n\t.rewards-infobox .deals-countdown__separator {\n\t\tcolor: #fff;\n\t\tfont-size: 16px;\n\t\tfont-weight: 600;\n\t}\n\n\t@media (max-width: 600px) {\n\t\t.rewards-infobox .deals-countdown__value {\n\t\t\tpadding: 2px;\n\t\t}\n\t}\n\n\t\ttd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width: 100%; }\n\n\t\t@media (max-width: 600px) {\n\t\t.reward-col-order-3 { grid-row: 3 !important; }\n\t\t.reward-col-order-4 { grid-row: 4 !important; }\n\t\t.reward-col-order-5 { grid-row: 5 !important; }\n\t\t.reward-col-order-6 { grid-row: 6 !important; }\n\t\t.reward-col-order-7 { grid-row: 7 !important; }\n\t\t.reward-col-order-8 { grid-row: 8 !important; }\n\t\t.reward-col-order-neg-3 { grid-row: -3 !important; }\n\t\t.reward-col-order-neg-4 { grid-row: -4 !important; }\n\t\t.reward-col-order-neg-5 { grid-row: -5 !important; }\n\t\t.reward-col-order-neg-6 { grid-row: -6 !important; }\n\t\t.reward-col-order-neg-7 { grid-row: -7 !important; }\n\t\t.reward-col-order-neg-8 { grid-row: -8 !important; }\n\t}\n<\/style><style>\n  \/* Gold gradient on minimal UX reward rows (desktop only) *\/\n  @media (min-width: 601px) {\n    tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] {\n      background: linear-gradient(45deg, rgba(255, 210, 59, 0) 76%, rgba(255, 210, 59, 0.5) 100%), #fff;\n      background-repeat: no-repeat;\n      background-size: 50% 50%;\n      background-position: top right;\n    }\n  }\n\n  tr[data-minimal-ux=\"true\"][data-should-show-rewards=\"true\"] > td.comparison-table__cta {\n    gap: 4px;\n    margin-top: 0 !important;\n  }\n\n  \/* Pill wrapper centered in CTA cell (td is display:grid with 3 columns) *\/\n  .rewards-pill-wrapper {\n    z-index: 3;\n    align-self: flex-end;\n    justify-self: flex-end;\n\n    @media (max-width: 600px) {\n      grid-column: 1 \/ -1;\n      text-align: center;\n      justify-self: unset;\n    }\n  }\n\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: #FFD23B;\n    border: 1px solid #E6B40F;\n    border-radius: 999px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 999px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 48.5px;\n    height: 34.6px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 50%;\n    left: 50%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #232320;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n<\/style><tr data-product-id=\"e0327ac1-ebae-4b73-9c43-67ee6506eebb\" data-provider-id=\"b8724300-f534-419b-88bc-739587fac2c4\" data-product-name=\"Finio Loans Personal Loan\" data-provider-name=\"Finio Loans\" class=\"grid-column-count-4  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/finio\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/693c169e2ebcb.png\" alt=\"Finio Loans logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/693c169e2ebcb.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/693c169e2ebcb.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/693c169e2ebcb.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/693c169e2ebcb.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/693c169e2ebcb.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfpl')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">5.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/finio\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Finio Loans Personal Loan<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfpl.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"finder-score-detail-heading\">Finder score<\/div><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukfpl')\"><span class=\"score__badge score__badge--standard\"><span class=\"score__value\">5.7<\/span><\/span><span class=\"score__text-wrapper score__text score__text--standard\">Standard<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfpl.product.datapoint_loan_amounts\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan amounts\">\n                        \u00a3500 - \u00a35,000\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfpl.product.datapoint_loan_terms\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Loan terms\"><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; height: 48px !important; }<\/style>1 year - 3 years\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfpl.product.ukfpl_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fee\">\n                        0%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            calculator-data string-bottom\" data-sorter=\"fin-currency\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"calculator,ukfpl.product.datapoint_ukfpl_monthly_payments\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Repayments\">\n                        N\/A\n                                          <\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--description comparison-table__feature--longtext sorter-false \" data-sortvalue=\"\" data-mobile=\"hide\" data-desktop=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-description js-calculator-table-value\" data-heading=\"Product Description\">\n                      Representative Example: Representative 39.9% APR fixed. Based on a loan of \u00a32,000 for 24 months at 39.9% p.a. Total \u00a32,785.68 repayable at \u00a3116.07 per month.\n                  <\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-4 \"><div class=\"comparison-table__cellWrapper\"><a data-component-props='{\"finderScore\":5.7,\"badges\":[],\"productId\":\"e0327ac1-ebae-4b73-9c43-67ee6506eebb\"}' data-component-id=\"1026\" data-component-version=\"1\" target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/personal-loans\/finio-loans-new-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFPL%22%2C%22fieldset%22%3A%22newerdefault%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%2229d12090-4679-4f5e-a99f-f5ae52d46974%22%2C%22category_name%22%3A%22finio%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221777523045%22%2C%22position%22%3A%221%22%2C%22offer_id%22%3A%229091%22%2C%22niche_code%22%3A%22UKFPL%22%2C%22product_id%22%3A%22e0327ac1-ebae-4b73-9c43-67ee6506eebb%22%2C%22product_name%22%3A%22Finio%2BLoans%2BPersonal%2BLoan%22%2C%22post_id%22%3A%22526078%22%2C%22post_path%22%3A%22personal-loans%252Ffinio%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium button--cta button-eligibility--cta\" title=\"Go to Finio Loans's site\">Check eligibility<\/a><a href=\"#\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read more about Finio Loans Personal Loan\" data-component-id=\"1003\" data-component-version=\"1\" data-component-props='{\"finderScore\":5.7,\"badges\":[],\"productId\":\"e0327ac1-ebae-4b73-9c43-67ee6506eebb\"}'><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg> View details                <\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-e0327ac1-ebae-4b73-9c43-67ee6506eebb\" value=\"e0327ac1-ebae-4b73-9c43-67ee6506eebb\" name=\"productID\" _productname=\"Finder score 5.7Standard                            Finio Loans Personal Loan            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":5.7,\"badges\":[],\"productId\":\"e0327ac1-ebae-4b73-9c43-67ee6506eebb\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-e0327ac1-ebae-4b73-9c43-67ee6506eebb\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium 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loyalty-rewards--container\" data-niche=\"UKFPL\" data-rewards-component=\"compare-products\"><\/div><div class=\"product-modal\"><section class=\"luna-modal is-invisible\" aria-hidden=\"false\" role=\"dialog\" id=\"alternative-products-modal\" aria-labelledby=\"alternative-products-modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\"><div class=\"luna-modal__content\"><button class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\"><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#x\"><\/use><\/svg><\/button><div class=\"luna-modal__body\" id=\"modal-content\"><div class=\"luna-modal__wrapper\"><h4 class=\"modal-heading\" id=\"alternative-products-modal-heading\">Compare other products<\/h4><div class=\"cta-modal__body\"><p class=\"cta-modal__intro-text\">We currently don't have that product, but here are others to consider:<\/p><div class=\"cta-modal__cards-container\"><\/div><span class=\"cta-modal__popover table-popover\" rel=\"popover\" data-placement=\"top\" data-content=\"This list shows products with some similar features to the one you selected. It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for unsecured loans<\/h3>\n\n<p>To make it even easier to compare and evaluate unsecured loans we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/methodology-for-personal-loan-ratings\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How our calculator works<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>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\u2019s <a href=\"#repapr\" class=\"scroll\">representative APR<\/a>, but it\u2019s important to note that your circumstances can affect the rate you\u2019re offered.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\">Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.<\/p><p>Late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><div class=\"signpost-cta type-default u-bg--lime-500\" data-component=\"signpost-cta\" data-component-type=\"default\" data-component-placement=\"in-content\" data-click-target=\"https:\/\/www.finder.com\/uk\/personal-loans\">\n\n    <div class=\"signpost-cta__content\">\n\n        <div class=\"signpost-cta__display-col\">\n                            <svg class=\"signpost-cta__icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"64\" height=\"42\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n                    <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n                    <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n                    <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n                    <\/div>\n\n        <div class=\"signpost-cta__text\">\n    <p class=\"signpost-cta__heading\">How do Finio loans compare against the competition?<\/p>\n            <p class=\"signpost-cta__description\">See today's rates from across the personal loan market.<\/p>\n    <\/div>\n\n    <\/div>\n\n    <div class=\"signpost-cta__action\">\n            <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\" class=\"luna-button luna-button--primary signpost-cta__button\" data-tracking=\"signpost-cta-click\">Compare rates<\/a>\n        <\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n<h3>Finio Loans loan rates at a glance<\/h3>\n\n\n\n<p itemscope itemtype=\"https:\/\/schema.org\/LoanOrCredit\">The <strong itemprop=\"name\" content=\"Finio Loans Personal Loan\">Finio Loans Personal Loan<\/strong> charges <span itemprop=\"annualPercentageRate\" itemscope itemtype=\"https:\/\/schema.org\/QuantitativeValue\"><span itemprop=\"value\" content=\"39.9\">39.9%<\/span>\n<span itemprop=\"name\" content=\"APR representative on loans between \u00a31,000 and \u00a35,000\">APR representative on loans between \u00a31,000 and \u00a35,000<\/span><\/span>. <span itemprop=\"provider\" itemscope itemtype=\"https:\/\/schema.org\/Organization\"><span itemprop=\"name\" content=\"Finio Loans\">Finio Loans<\/span><\/span> offers the <span itemprop=\"loanType\" content=\"Unsecured personal loan\">unsecured personal loan<\/span> with repayment terms between <span itemprop=\"loanTerm\" itemscope itemtype=\"https:\/\/schema.org\/QuantitativeValue\"><span itemprop=\"minValue\" content=\"1\">1<\/span> <span itemprop=\"unitCode\" content=\"ANN\">year<\/span> and <span itemprop=\"maxValue\" content=\"3\">3<\/span> <span itemprop=\"unitCode\" content=\"ANN\">years<\/span><\/span>, and applicants can apply to borrow from <span itemprop=\"amount\" itemscope itemtype=\"https:\/\/schema.org\/MonetaryAmount\"><span itemprop=\"currency\" content=\"GBP\">\u00a3<\/span><span itemprop=\"minValue\" content=\"500\">500<\/span> to \u00a3<span itemprop=\"maxValue\" content=\"5000\">5,000<\/span><\/span>.<\/p>\n\n<h3 id=\"learn\">Key features of a Finio loan<\/h3>\n<div data-category=\"\" data-niche=\"UKFPL\" data-fieldset=\"mfdefault\" class=\"UKFPL mfdefault \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Loan type<\/th><td class=\"i_infobox_data product_infobox_data\">Unsecured Personal Loan<\/td><\/tr><tr><th>Loan amounts<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a3500 to \u00a35,000<\/td><\/tr><tr><th>Loan terms<\/th><td class=\"i_infobox_data product_infobox_data\">1 year to 3 years<\/td><\/tr><tr><th>Loan rate type<\/th><td class=\"i_infobox_data product_infobox_data\">fixed<\/td><\/tr><tr><th>Fee<\/th><td class=\"i_infobox_data product_infobox_data\">0%<\/td><\/tr><tr><th>Same-day funding available<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Instant decisions in most cases<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Soft-search facility available<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><span class=\"table-popover\" rel=\"popover\" data-content=\"Soft searches allow you to check your eligibility before applying, with no effect on your credit score.\" title=\"Info\" data-original-title=\"Info\"><\/span><\/td><\/tr><tr><th>Joint applications<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Overpay without penalty<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><span class=\"table-popover\" rel=\"popover\" data-content=\"Note that being able to overpay without penalty does not guarantee a reduction in the amount of interest you pay.\" title=\"Info\" data-original-title=\"Info\"><\/span><\/td><\/tr><tr><th>Concurrent loans allowed<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th>Topping-up pays off existing loan and initiates a new loan<\/th><td class=\"i_infobox_data product_infobox_data\"><svg class=\"luna-icon\"><use xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th>Repayment methods<\/th><td class=\"i_infobox_data product_infobox_data\">Direct debit,Standing order,Cheque,Electronic transfer<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div>\n<h3>What is Finio Loans?<\/h3><p>Finio Loans is owned by Oakbrook Finance and offers unsecured personal loans aimed at those with poor credit. You can borrow from \u00a3500 to \u00a35,000 over a term of 1 year to 3 years. Finio Loans is regulated and authorised by the Financial Conduct Authority (FCA). <\/p><p>As well as looking at your credit score to establish your creditworthiness, Finio Loans may use <a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/what-is-open-banking\">Open Banking<\/a> 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. <\/p><h3>Am I eligible for a Finio Loan personal loan?<\/h3><p>To be eligible for a Finio Loan personal loan, you will need to:<\/p><ul class=\"list_1\"><li>Be aged 18 to 73.<\/li><li>Be a UK resident.<\/li><li>Have some UK credit history.<\/li><li>Have a UK bank account.<\/li><\/ul><p>You can apply for a loan even if you have a poor credit score, so long as you haven\u2019t been made bankrupt in the last 12 months. <\/p><p>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. <\/p><h3>How to apply for a Finio loan<\/h3><p>If you want to apply for a Finio loan, follow the steps below:<\/p><ol><li><strong>Check your eligibility.<\/strong> Answer a few questions and provide your contact details and address history via Finio\u2019s eligibility checker to see whether you\u2019ll be accepted.<\/li><li><strong>Complete your application.<\/strong> If you\u2019re happy with your personalised offer, complete the online application form and a full credit check will be carried out.<\/li><li><strong>Funds are transferred.<\/strong> Once your application is accepted, the funds will usually be sent to your bank account the same day \u2013 often in as little as 10 minutes.<\/li><\/ol><p>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. <\/p><p>Once you\u2019ve received the funds, you\u2019ll have a simple online account to help you manage your repayments. <\/p><h3>How much does it cost?<\/h3><p>Finio loans have a representative APR of 39.9%. However, the APR offered depends on your individual circumstances and could be higher.<\/p><p>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\u2019 interest to cover the period between your last repayment date and the settlement date.<\/p><p>It\u2019s important to only ever borrow an amount you can afford to repay and make sure your monthly repayments are manageable.<\/p><p>All interest rates are fixed for the duration of your repayment period. However, the rate you\u2019re 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 <a href=\"#repapr\" class=\"scroll\">\u201cRepresentative APR\u201d<\/a>.<a id=\"repapr\"><\/a><\/p>\n\n\n\n\n\n\n\n\n\n<div id=\"repapr\">\n<div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"><\/circle>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"><\/path>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">APR and Representative APR explained<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            \n<p>The Annual Percentage Rate (<strong>APR<\/strong>) 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 \u2013 and so they're one and the same.<\/p>\n\n<p>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 \"<em>representative<\/em> 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.<\/p>\n\n<p>Finio Loans advertises a representative APR of 39.9% on loans between \u00a31,000 and \u00a35,000 on the Finio Loans Personal Loan.<\/p>\n        <\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n\n\n        \n            <h3>What do customers say about Finio Loans?<\/h3>\n        <p>77% of customers we <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/best#customer-service\">surveyed<\/a> in 2026 would recommend Finio Loans to a friend.<\/p>\n        <p>It provides an accessible option with a fast application process, often releasing funds on the same day.<\/p>\n<p>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.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long does a Finio loan take to get?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Once you\u2019ve 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.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Can I top up my Finio loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, as long as you\u2019re 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.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Who is Likely Loans?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Likely Loans was a loan provider owned by Oakbrook Finance. However, it has been replaced by Finio Loans.<\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000003\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000003\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. 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