Little Loans is a credit broker and our panel consists of over 30 trusted and responsible lenders.
One of the lenders we’re proud to work with is Savvy.
Been matched with Savvy after a Little Loans search? You can find out all about them in our guide.

Who is Savvy?

Savvy is a direct lender offering short-term, personal loans.
The company came from humble beginnings, having been initially set up in owner Mark Bowker’s spare room back in 2007! Twelve years later, Savvy won the Responsible Lender of the Year award at the 2019 Credit Strategy Awards.

Is Savvy regulated?

Yes; Savvy is a trading name of Valour Finance Limited, authorised and regulated by the Financial Conduct Authority (FCA). You can view their information on the FCA register here.

How much money can I borrow with Savvy?

Savvy offer loans between £300 to £1,200, subject to credit and affordability checks.

What are Savvy’s repayment terms?

Depending on how much money you borrow, you can repay your loan across terms of 6, 8, 10, or 12 months.

Repayment term Loan amount
6 months £300 - £500
8 months £501 - £700
10 months £701 - £900
12 months £901 - £1,200

What is the Representative Annual Percentage Rate (APR)?

The Representative APR varies, as shown below:

  • Loans between £300 and £500: Representative 1,289.3% APR.
  • Loans between £501 and £700: Representative 727.4% APR.
  • Loans between £701 and £900: Representative 440.5% APR.
  • Loans between £901 and £1,200: Representative 336.5% APR.

What are Savvy’s reviews like?

As of May 2024, Savvy is rated Great on Trustpilot, and 75% of their reviews are 5*.

Who can apply for a loan with Savvy?

You can apply for a Savvy loan if you:

  • Are over the age of 18;
  • Are a UK resident;
  • Have a UK bank account and debit card;
  • Have a net income of at least £1,000 per month; and
  • Are able to comfortably afford the loan repayments.

Savvy is only able to pay loans into UK bank accounts.

How do I apply for a loan with Savvy?

You can apply for a loan with Savvy via the online application form.
You will be asked to provide some basic personal information, such as your name, date of birth, and marital status. You’ll also be asked for your employment status, as well as your bank details. You may also be asked to supply copies of recent payslips and bank statements.

How quickly will I receive the money?

Savvy state that approved loans are usually sent within an hour. You should bear in mind that the time it takes for the money to appear in your bank account will depend on your bank’s policies and procedures.
Loans will not be paid out on Sundays or bank holidays.

Can I repay my Savvy loan early?

Yes, you can. You can do so by contacting Savvy on 0330 002 0118 or logging into your online account. You’ll need to request a settlement figure, which will then be provided to you in writing.

Can I apply for more than one loan with Savvy?

As a responsible lender, Savvy only allows customers to take out one loan at a time.

I was matched with Savvy when I searched for a loan with Little Loans. Who should I contact if I have a question?

If your question relates to either the eligibility check or initial search that you completed with Little Loans, you’re welcome to contact us.
However, if you’ve decided to make a full application with Savvy, you will need to contact them directly with any queries you might have.

How can I get in touch with Savvy?

There are a number of ways to contact Savvy.

Company address:

Valour Finance Limited
First Floor
Highbank House
Exchange Street

Email address:


Customer care – 0330 002 0117

Where can I find out more about Savvy?

You can visit Savvy’s website for further information.

Check out our 4.8 star rating on Feefo

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Straight forward

“Easy pleasant service, quick decision and easy account management.”

Laurissa Marsden

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative. We’re a fully regulated and authorised credit broker and not a lender