Business Details
Trusted Personal Loan Services in Nottingham
Finio Loans is a transparent and fair lending brand committed to simplifying and personalising borrowing experiences. We focus on ensuring our loans are affordable and tailored to individual needs, working in partnership with customers to support improved financial wellbeing. Our approach utilises Open Banking to assess affordability while prioritising responsible lending practices. As part of Oakbrook Finance Limited, we combine innovation with decades of financial expertise to offer unsecured personal loans ranging from 500 to 5,000. With flexible repayment terms of 12 to 36 months and no upfront fees, we provide accessible solutions for debt consolidation, home improvements, car purchases, and life events.Our online platform enables 24/7 loan management, including overpayments and payment date adjustments. We are authorised and regulated by the Financial Conduct Authority, reflecting our commitment to professional standards. Our team, led by Managing Director Jon Painter, focuses on building trust through clear communication and customer-centric support. We offer instant eligibility checks without affecting credit scores and aim to disburse funds within one working day. Our Trustpilot rating of 4.8 demonstrates customer satisfaction with our straightforward lending process and supportive service.
Services
Personal Loans
Debt Consolidation
Car Financing
Home Improvements
Wedding Loans
Bad Credit Loans
No Guarantor Loans
Instalment Loans
Direct Lender Loans
Open Banking Loans
Highlights and features
- We offer loans from 500 to 5,000 with transparent fixed APR rates
- Our online platform enables 24/7 loan management and instant eligibility checks
- We use Open Banking technology to ensure loan affordability assessments
- No guarantor required for any of our personal loan products
- Regulated by the Financial Conduct Authority for professional lending standards
Associations and certifications
- Financial Conduct Authority
What people say
Quick approval process
Transparent terms
No hidden fees
Supportive service
Easy online management
Services
Personal Loans
We provide personal loans ranging from 500 to 5,000 with fixed repayment terms of 12 to 36 months. Our transparent lending process includes instant eligibility checks that don't affect credit scores. Loans are available for various purposes including unexpected expenses, life events, and financial consolidation. Our online platform allows 24/7 account management with options for overpayments and payment date adjustments.
Debt Consolidation
Our debt consolidation loans help customers combine multiple debts into a single manageable payment. With no upfront fees and fixed interest rates, this solution simplifies financial obligations while maintaining affordability. The process uses Open Banking technology to ensure suitable lending decisions. Customers benefit from dedicated support throughout their loan term and flexible repayment options through our online portal.
No Guarantor Loans
We offer no guarantor loans for individuals seeking personal financing without requiring third-party security. These unsecured loans range from 500 to 5,000 with clear repayment terms. Our assessment process focuses on individual affordability rather than credit history alone. The application can be completed online with instant decisioning and potential same-day fund disbursement upon approval.
Home Improvement Loans
Designed for property upgrades, our home improvement loans provide funding from 1,000 to 5,000. These fixed-term loans with transparent APR rates enable homeowners to complete renovation projects without upfront fees. The online application process includes immediate eligibility checks that don't impact credit scores. Approved customers can access funds within one working day for urgent improvement needs.
Wedding Loans
Our wedding loans offer couples funding between 1,000 and 5,000 to cover celebration expenses. With fixed repayment terms of 12 to 36 months, these loans provide financial flexibility without requiring collateral. The application process includes affordability assessments using Open Banking technology. Customers benefit from 24/7 online account access to manage repayments and payment schedules.
People
Jon Painter
Managing Director
Jon Painter leads Finio Loans with a focus on simplifying personal borrowing through responsible lending practices. He champions the use of Open Banking technology to ensure loan affordability assessments while maintaining professional financial standards. His leadership prioritises customer partnerships and financial wellbeing.
Questions
What loan amounts do you offer?
We provide personal loans from £500 to £5,000 with fixed repayment terms of 12 to 36 months.
Do you charge any upfront fees?
No, we never charge upfront fees for our loans or application process.
Can I check eligibility without affecting my credit score?
Yes, our eligibility check uses a soft credit search that doesn't impact your credit score.
What APR rates do you offer?
Our APR rates range from 39.9% to 69.9% depending on individual circumstances.
Do I need a guarantor?
No, we offer no guarantor loans to suitable applicants based on affordability assessments.
How quickly do you disburse funds?
Approved customers typically receive funds the same working day, though this may take up to 5 days during busy periods.
