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

Fairer Loans

40% less than Capped Market Interest Rate

How much money do you need?

Welcome to fernovo,
the future of online loans.

With us you'll benefit from:

  • A pre-approval loan decision in just 60 seconds
  • Our unique, super-smart NOVOQuote decision ‘engine’
  • A much-reduced interest rate – 40% below the cap rate
  • ‘Smart Money’ – our web section packed with loads of useful information about the loans market, how to sort your finances and amazing money-saving tips and hacks
  • An easy, user-friendly online application form
  • Friendly help and support


At Fernovo we’ve re-written the rules on online loans to create a smarter, faster, fairer proposition for our customers.

Out go slow service, crazy interest rates, long application forms, and sneaky small print. In come the best rates, a fair, transparent approach and Fernovo’s unique, super smart NOVOQuote decision engine – that provides you with a pre-approval response in under 60 seconds with total anonymity – and no credit reference required.

Better? You bet it is. That’s why Fernovo is the future of online loans.


Fernovo is new. New in design, new in technology, new in ideals, and new in approach.

Click on over to our Smart Money section to browse useful and educational material and see how we’re re-writing the book on financial services as you know it.

Our extremely easy and user-friendly application process includes the provision of full feedback on your financial status and should you be ineligible for a loan we provide helpful, friendly advice on how to qualify for future loans and improve your credit rating.

Compare what we offer with your regular lender and we think you’ll appreciate the Fernovo difference.

Step 1

A Simple Fair & Efficient Process

Complete your application

To get to know you better and to help us make the right credit decision about your application we need you to provide us with some information about yourself.

Step 2

Credit & Affordability Checks

Credit & affordability checks

We use your information and information from credit reference agencies to automatically assess your creditworthiness and your ability to repay the loan.

Step 3

We will need your Signature


If you pass our automated checks we will present you with some electronic documents containing important information about your loan.

Step 4

Ready! As simple as that

Money in your Bank!

If you are successful, we will deposit the money straight into your bank account. This should happen within 15 minutes of us sending you an email stating your application has been approved.

We're currently open

Credit applications – Open 24/7

Underwriting – 09:00-21:00 7 days a week

Customer care – 09:00-18:00 Monday to Friday

Our customer services team at our UK call centre is on hand to deal with any queries you may have. You can also access your account online 24 hours a day via desktop, mobile or tablet.

Frequently asked questions
see our answers here >

Phone number

020 3476 5171


020 3432 5110

Text Message (SMS)

078 6002 0199