Who is Savvy?
Savvy is a direct lender, which proudly uses the slogan ‘Savvy by name, savvy by nature’. They offer short-term loans to borrowers, including those who may have a history of bad credit.
Savvy states the following on their website:
“At Savvy we always ensure we are part of the lending solution and not part of the debt problem. We are a caring lender providing essential credit to the underserved sector, our focus is on making a positive impact. We are committed to providing affordable credit to those who otherwise would not have access to unsecured credit.”
Is Savvy loans a legitimate company?
Yes. Savvy is a trading name of Valour Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). You can find their company profile on the FCA register here.
Good to know: CashLady only works with lenders who are authorised and regulated by the FCA.
Where can I find Savvy loans reviews?
Savvy reviews can be found on Trustpilot. As of July 2025, Savvy is rated ‘excellent’.
How much money can you get with Savvy loans?
With Savvy, you can apply for a loan between £300 and £1,200.
Good to know: need more or less money? Don’t worry; with CashLady, you can search for a loan from £100 to £10,000.
What loan repayment terms do Savvy offer?
Savvy offers repayment terms between 6 and 12 months. The repayment term available to you will depend on the amount of money you apply to borrow.
In the table below, we’ve included the repayment terms and Representative Annual Percentage Rates (Rep. APR) for the different loan amounts offered by Savvy.
| Loan amounts | Repayment Term | Representative APR |
|---|---|---|
| Amounts between £300 - £500 | 6 months | Representative 1291.2% APR |
| Amounts between £501 - £700 | 8 months | Representative 747.4% APR |
| Amounts between £701 - £900 | 10 months | Representative 473.6% APR |
| Amounts between £901 - £1,200 | 12 months | Representative 333.8% APR |
Who can apply for a Savvy loan?
To be considered for a Savvy loan, you must:
- Be over the age of 18;
- Be a UK resident;
- Have a UK bank account and valid debit card;
- Have a minimum monthly income of £1,000; and
- Be able to comfortably afford your loan repayments.
Will Savvy carry out a credit check on me if I apply for a loan?
Yes, as a responsible lender authorised and regulated by the FCA, Savvy will complete a full credit check, known as a creditworthiness assessment, on anybody who makes a loan application. These checks are in place to ensure that you’re able to afford the money you’ve applied to borrow.
You can check your eligibility for a Savvy loan with no impact on your credit score. However, if you choose to make a full application, Savvy will carry out a creditworthiness assessment, which will leave a footprint on your credit file. Please be aware that a creditworthiness assessment could include a hard search, and multiple hard searches in a short period of time will harm your credit score.
Could I get a Savvy loan the same day?
Savvy states that if your application is approved, the money will typically be sent to your bank account within an hour. While Savvy offers same-day payouts, it’s important to remember that the time it takes for the money to become available in your account will depend on your bank’s policies and procedures.
Please note that Savvy is unable to payout loans on Sundays and Bank Holidays.
Can you repay a Savvy loan early?
Yes, Savvy allows borrowers to repay their loan early. Any customers wanting to do this should either call Savvy on 0330 0020118 or log in to their Savvy account and request an early settlement figure.
What happens if I can’t afford to repay my Savvy loan?
If you’ve taken out a Savvy loan and you’re finding it difficult to make your repayments, you should contact Savvy as soon as you can. You can do this via your online customer account or by calling the Savvy customer service team on 0330 002 0118.
The following statement from Savvy can be found on their website:
“If you experience or anticipate problems in making your payments on time, please contact our Customer Support Team straight away […]. We'll do everything we can to help you, including providing details of how to get free, independent advice on your situation.”
How to contact Savvy customer service
Need to contact Savvy? You can do so via any of the methods below.
- By telephone: 0330 002 0118
- By email: info@savvy.co.uk
- In writing:
Valour Finance Limited
First Floor
Highbank House
Exchange Street
Stockport
England
SK3 0ET - Via your online customer account.
Savvy summary
- Savvy is a direct lender of short-term loans.
- Savvy is a trading name of Valour Finance Limited and is authorised and regulated by the FCA.
- As of August 2025, Savvy is rated ‘excellent’ on Trustpilot.
- With Savvy, you can apply for a loan between £300 and £1,200.
- Depending on the amount of money you apply to borrow, you could repay your Savvy loan across a term of 6 to 12 months.
- You can check your eligibility for a Savvy loan without affecting your credit score, although a full application will result in a full credit check being carried out, which could include a hard search. Multiple hard searches in a short period of time will damage your credit score.
- Customers can choose to repay their Savvy loan early if they’re able to do so.
- Borrowers struggling to repay their loan should contact Savvy as soon as they can.
How does the CashLady process work?
CashLady is a credit broker, working with a large panel of FCA authorised and regulated direct lenders. We could help you search for a suitable short-term loan between £100 and £10,000, with a repayment term from 3 to 60 months, depending on the amount of money you apply to borrow.
With no impact on your credit score, we’ll scan our panel of lenders to try and match you with a lender.* Our service is completely free to use, and you’re under no obligation to go ahead with any loan or alternative product that we find for you.
Need financial advice?
Free financial support can be accessed through StepChange, MoneyHelper, Citizens Advice, and National Debtline.
*If you’re matched with a loan through a search with CashLady and you choose to make a full application, the lender will complete a full credit check, known as a creditworthiness assessment. This will include a hard search or Open Banking. A hard search will remain on your credit file for up to 12 months, and multiple hard searches in a short space of time will negatively affect your credit score.
CashLady Representative 79.5% APR