Great company easy step by step…
Great company easy step by step instructions to apply for a loan. Money is instant when approved, any problems they are there to help

Finio Loans, formerly known as Likely Loans, is an online platform that specializes in offering personal loans to consumers in need of financial assistance. The company provides loan amounts of up to £5,000, allowing clients to apply conveniently through its website, finioloans.com. With a focus on quick decision-making, Finio Loans aims to deliver loan approvals in minutes, ensuring a streamlined experience for borrowers seeking flexible repayment options. Targeting individuals who require personal financing, Finio Loans offers loan terms ranging from 12 to 36 months, with APR rates starting from 39.9% up to a maximum of 69.9%. The platform emphasizes transparency by not charging upfront fees or soliciting customers directly. Finio Loans is dedicated to facilitating responsible borrowing and helping customers manage their financial needs effectively.
Finio Loans receives mixed feedback from customers, with many praising the quick and easy loan process, highlighting the efficient service provided by some staff members. Reviewers appreciate the accessibility of loans, especially in urgent situations, noting that the service can be better than other options available.
However, a significant number of complaints focus on poor communication and frustrating delays, with several customers expressing dissatisfaction over being pre-approved only to face repeated questioning or outright loan denials. Issues with transparency and unexpected fees also emerge, leading to a lack of trust among some users. While some find the service satisfactory, others describe it as time-wasting and unprofessional. Overall, the sentiment is mixed, reflecting both positive experiences and considerable frustrations.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.6 | 60 | 100% | -2.2 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| May 25 | 4.7 | 31 |
| Jun 25 | 3.1 | 10 |
| Jul 25 | 1.0 | 3 |
| Aug 25 | 2.6 | 8 |
| Sep 25 | 1.9 | 8 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Great service”
“I have bad experience,i did not get help”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
| 3.6 out of 5 (good) | 100 out of 100 | 3.6 out of 5 (good) | 1.7 out of 5 (poor) | — | 60 | |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | 3.3 out of 5 (fair) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.8 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 1.5 out of 5 (poor) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | — | 27 |
Bottom line: Finio Loans is #5 of 5 on overall rating in this group. On website & app, Oodle Car Finance scores higher (4.8 vs 1.7).
60 reviews of Finio Loans. Filter by what matters to you.
Great company easy step by step instructions to apply for a loan. Money is instant when approved, any problems they are there to help
Unfortunately due to a low credit score i was struggling to secure a loan for a new car!! mine broke on the monday and by tuesday thanks to this company i had 1000 in the bank to get a new car!! yes APR is very high but this company said yes when others turned me away! Will help improve my score also in the future.
Very good service do what they say helpful
It was unbelievabley quick had the money in my account as soon as I finished applying fantastic service would definitely recommend
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Polarized pattern: few middle ratings. 65% of recent reviews are 4–5★ and 35% are 1–2★.
It was so simple to get a top up loan very quick and no trouble
Easy to apply and a very quick decision. The money was in my bank within an hour.
All went smoothly
Brilliant service
I have use Finio for few years and the Customer services are exceptional!, always very helpful to accommodate my budget to suit myself!!, excellent service, highly recommended 👍👍
Brilliant great customer service
It was so easy to sort out
All I can say so easy excellent service
Finio Loans, formerly known as Likely Loans, is an online platform that specializes in offering personal loans to consumers in need of financial assistance. The company provides loan amounts of up to £5,000, allowing clients to apply conveniently through its website, finioloans.com. With a focus on quick decision-making, Finio Loans aims to deliver loan approvals in minutes, ensuring a streamlined experience for borrowers seeking flexible repayment options. Targeting individuals who require personal financing, Finio Loans offers loan terms ranging from 12 to 36 months, with APR rates starting from 39.9% up to a maximum of 69.9%. The platform emphasizes transparency by not charging upfront fees or soliciting customers directly. Finio Loans is dedicated to facilitating responsible borrowing and helping customers manage their financial needs effectively.
This profile hasn't been claimed by the business owner.