• Borrow £300 to £3,000
  • Repay over 8 to 24 months
  • Payouts within 1 hour
  • All credit ratings
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About Savvy

Savvy’s short term to medium term loan offer is broad and flexible. They take their business seriously and have been awarded the industry accolade of “responsible lender of the year”. They are trusted by their customers.

Loan Summary:

Savvy’s loans cover a useful range of values and repayment periods. The monthly interest falls as the loan value and loan term increase. Rates are fixed for the duration of the loan. Once your application is accepted Savvy aim to credit your bank account within 1 hour (not Sundays or bank holidays).


Loans Amount (£) Loan Term (months) Representative APR
300 – 500 8 764.0%
501 – 1,200 12 341.7%
1,201 – 2,000 15 225.3%
2,001 – 3,000 24 123.0%


Lender Ratings:

Savvy scores 4.5 out of 5 based on 400 reviews on Trustpilot. This score puts Savvy midway up the rating spectrum for short term loan lenders. More recent ratings on Feefo give Savvy a score of 4.9 out of 5 based on 50 reviews.

Compare Savvy to Others

For clarity here are the key differences of Savvy to the “typical” or “average” short term loan lender:


  • Good range of loan values and loan periods
  • Rates are fixed for the length of the loan
  • Winner of “responsible lender” award
  • Soft search will be done meaning you can apply without the risk of damaging your credit rating


  • Shortest loan term of 8 months may not be short enough for some borrowers

How to Apply for a Loan

The good news is that you can apply without affecting your credit rating. Savvy do an initial soft search which allows them to judge your credit rating without leaving a footprint on your credit file. If they can’t lend to you they’ll tell you then. They will also need to conduct an affordability assessment. This too is done online. And before you apply you need to know that your net monthly income must be at least £1,000 and you must have a UK bank account with a debit card.

Sometimes Savvy may accept your credit rating but be unable to offer you the full amount you requested because of affordability. In this case, they will make you an offer of a lower value loan. You then decide whether this is sufficient to proceed or not.


Savvy’s Representative Example

Borrow £1,000 for 12 months. Representative 341.7% APR fixed. Monthly payment £166.66. Interest payable £999.92. Total repayable £1999.92.

Warning: Late repayment can cause you serious money problems. For help, go to

We’ll Find Your Loan

Why trudge from one lender website to the next when Solution Loans can find you the cheapest deals instantly? It’s simple to see why using our comparison service makes sense:

  • We’re free to use and there’s no obligation!
  • We have the widest choice of UK short term lenders
  • Our form takes just a couple of minutes to complete
  • It’s quick and easy to compare lender offers
  • The same deals as going direct, but quicker!
  • Instantly complete your chosen loan(s)
  • Sign your loan agreement online to get the funds fast

Get Your Loan Choices

How to find Savvy

Registered Address:

First Floor, Highbank House, Exchange Street, Stockport, SK3 0ET

Office Hours:

Mon & Thur: 08.00 – 20.00

Tue & Wed: 08.00 – 19.00

Fri: 08.00 – 18.00

Sat: 09.00 – 13.00

Important Links:

Company Information

Company Registration is a trading name of Valour Finance Limited. Registered Office: First Floor, Highbank House, Exchange Street, Stockport, SK3 0ET. Company registration number 6034431.

FCA Registration

Valour Finance Ltd is authorised and regulated by the Financial Conduct Authority with firm reference number 718303.

ICO Data Protection Registration

Valour Finance Ltd is registered with Information Commissioner, registration number Z1012907.


Instalment Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of guides may help you. We summarise each type of loan and their pros and cons, and address issues regarding debt and credit ratings.

Got a Question about

Answer to Common Questions

What basic information is required to make an application?

These are the basic criteria to be satisfied and the information to be provided:

  • You must be a UK resident aged 18+ with a bank account/debit card.
  • Your net income must be at least £1,000 per month
  • You must provide:
    • employer information
    • three years of address history
    • income and expenditure information for the affordability assessment


How fast will my loan be paid out?

Once your loan application has been approved Savvy aim to send the funds yo your UK bank account within one hour. Loans are not paid out on Sundays or bank holidays.

Can I top-up my loan?

If you have an existing loan and have been paying this off on time Savvy may be prepared to offer you a larger loan (subject to affordability) that would also settle your existing one.

How do I make repayments?

Your first payment may be taken by using your debit card under a Continuous Payment Authority (CPA), but further repayments will be done by direct debit. However, you can also make payments in the following ways:

  • log into your account management portal and make a debit card payment
  • make a bank transfer
  • set up a standing order from your bank account
  • set up a direct debit
How do I manage my account?

When your application is accepted and your loan is paid out to you Savvy create an online account for you. You can use this to control your loan, make payments, chat with Savvy, request early redemption, etc.

Can I pay off my loan early?

Yes, of course. You need to contact Savvy’s customer service team or log into your account online and request a settlement figure. Paying your loan off early will save a lot of interest.


  • No Upfront Fees
  • Smart Online Service
  • Stay Safe & Secure
  • Independent & Impartial
  • Trusted Partners


For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.

OUR REPUTATION Instalment Loans


rating starrating starrating starrating starrating star

Our reputation is great. In fact we have scored 4.6 out of 5 based on 308 ratings & 53 user reviews for our short term loans service.


FIND A LOAN find a loan now

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Use our quick, simple & secure enquiry form to get a quote now. Compare deals & complete your application.

Written/Reviewed by: Amanda Gillam

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