APR: 347.2% Representative
Loan amount: £200 - £3,000
Repayment duration: 6 - 24 Months
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Savvy customer reviews

4 out of 5 from 3 reviews

700% cheaper then payday loans

21:22 16-06-2017

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these guys are great I applied a couple of times and got knocked back tried again last week and was accepted after a quick phone call money was in bank in now time


Originally thought they were the other Savvi

15:33 11-04-2016

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Applied to these guys thinking there were the ssame company as thw other savvi but got accepted for a loan anyway. Was more expensive than I thought it would be but happy with it


Damian says...

10:39 19-03-2016

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5 out of 5 all round

Damian Ciesielski

Our review of Savvy

Our review by Alex
Written by: Alex
Consumer sentiment


Based just south of Manchester, Savvy offer loans ranging from 89.3% APR to 1264.5% APR. The rate you'll be offered will be based on your circumstances and how much you’re looking to borrow. 

If you’re looking to take out a loan with Savvy, it pays to think carefully. Although they’re a cheaper alternative to payday loans, they offer one of the more expensive unsecured personal loan products so it’s worth shopping around for alternative lenders or considering a guarantor loan, which will likely give you access to cheaper rates.

Savvy have achieved an OPTIOSCORE which ranks mid-table alongside the other bad credit lenders. They’ve rated very highly in consumer sentiment, with an impressive Feefo satisfaction score of 99%, receiving ample praise on their customer service and their efficient and easy application process. Each review gets its own personal response too, which is a nice touch. In terms of their features, they offer online account management, so you can log in and check in on your payments whenever you like. They also don’t charge you any fees if you wish to pay your loan back early, which isn’t the case for a lot of lenders. However, they are expensive, and if you have good credit, it will pay to apply elsewhere. If you have bad credit, it may also be worth looking into guarantor loans to access cheaper rates. 

Overall verdict: Savvy offer a good alternative to payday products for people with bad credit, and it’s clear that their team work hard to ensure their customers are happy. As with all loans, you should only apply for a loan with Savvy if you think you can keep up with the monthly repayments. With no fees for early repayment and features like online account managment, Savvy are a good option for those with less-than-perfect credit. 


  • Fixed monthly repayments to help with budgeting
  • Quick and simple online application
  • High levels of customer service satisfaction
  • Loan available within an hour of approval within working hours
  • Able to pay your loan off early

Minimum criteria

  • You must be aged 18
  • You will need to be a UK resident
  • You must have a UK bank account and debit card
  • You must earn at least £700 per month (net)


  • Maximum APR 1264.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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About Savvy

Savvy offer loans between £200 and £3,000 that can be repaid over a loan term ranging from one to two years at increments of 12, 15, 18 and 24 months. They will take into account loan amount, term and the applicant’s personal circumstances to decide your final rate. You don’t have to have perfect credit history but you will need to provide proof that you can comfortably afford the loan repayments, and receive a regular income of at least £700 per month. You may also be asked to provide either your most recent payslip or 2 months’ of bank statements by text or email to show your wage entering your account.

Applications are made online and you will need to provide details of your employer, bank details, monthly expenditure and three years’ address history. These details, along with a credit check will go towards helping Savvy to determine whether you’re going to be accepted and the interest rate offered. Once accepted and all the checks have been complete, the funds can be deposited into your account within an hour on weekdays and Saturdays, no loans are paid out on a Sunday.

To process the loan, Savvy will charge a processing and payout fee of 10% of the requested loan amount.

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