Finio Loans
UK personal loans provider (Oakbrook Finance brand) offering up to £5,000 with online decision in minutes
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Rating breakdown
Pros
- Quick online decision in minutes
- No upfront fees
- Soft credit check for eligibility — won't affect credit score
- 4.8/5 on Trustpilot
Cons
- High representative APR (39.9%) — expensive borrowing
- Rates up to 69.9% APR for higher-risk borrowers
- UK only
- Maximum loan amount only £5,000
Platform & features
Available on
Key features
Availability
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Last verified: 23 March 2026. Data confidence: high. Full risk disclaimer