Finio Loans UK: A Smart Choice for Bad Credit Personal Loans

Why Finio Loans Is Gaining Ground in the UK Lending Market

For UK residents struggling with poor credit histories, finding a trustworthy lender can feel impossible. Finio Loans, a trading name of Oakbrook Finance, offers a refreshingly transparent solution in the crowded market of unsecured loans. With a representative APR of 39.9%, flexible repayment terms, and a streamlined online process, Finio positions itself as a strong alternative to traditional high-street banks.

But is it the right choice for your financial needs?

Let’s dive into the main benefits, how the process works, and how it stacks up against other leading UK lenders.

Key Benefits of Finio Loans

• Loan amounts from £500 to £5,000
• Terms from 12 to 36 months
• No guarantor required
• No fees for early repayment
• Same day loan approval possible (if completed early in the day)
• Soft credit check during initial application — won’t affect your credit score

These features make Finio a great option for people searching for bad credit loans UK or those rejected by mainstream banks.

How It Works

1. Apply online in under 10 minutes
   Submit basic details and income verification.
2. Soft credit check performed
   No impact on your credit score at this stage.
3. Get a personalized loan offer
   If approved, move forward with a full application.
4. Funds disbursed typically within 1 business day
   Some customers report receiving funds the same day.

Comparison: Finio vs Other UK Lenders

Lender	Loan Range	APR (Representative)	Special Feature
Finio Loans	£500 – £5,000	39.9%	No early repayment fees
Likely Loans	£500 – £5,000	59.9% – 69.9%	Accepts poor credit applicants
Bamboo Loans	£1,000 – £8,000	49.7%	Higher maximum loan limit
Drafty	£50 – £3,000 (line)	89.7%	Instant decision credit line

Finio stands out with a lower entry APR and clear terms. While competitors like Drafty offer speed, the high APR and line-of-credit model may not suit borrowers needing structured monthly payments.

Cost vs Value

Finio’s APR of 39.9% is competitive within the bad credit market — especially considering that many subprime lenders exceed 70%. There are no hidden charges, and the ability to repay early with zero fees can save you hundreds in interest over time.

A borrower named Angela T., a self-employed florist from Bristol, reported repaying her £2,000 loan in just 14 months, saving £228 in interest compared to the full term.

Want to Learn More?

In Page 2, we’ll explore:

• A step-by-step guide to getting approved
• FAQs on credit checks, missed payments, and early settlements
• Advanced tips for reducing your APR
• Alternatives for larger loans or lower rates

[Continue to Page 2] to unlock the full potential of Finio and similar lenders.