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SupaFinance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

SupaFinance is a free matching service for UK adults with weaker credit who need a small personal or payday loan funded the same day. Borrowing runs £100 to £10,000 at 12.9% to 1,721%, well above the 14.43% typical of personal loans on the site.

Key facts

Best for
Borrowers turned away elsewhere who want a free quote and money in the account the same day.
APR
12.9% to 1,721%↗
Loan amount
£100 to £10,000↗
Term
1 to 120 months↗
Arrangement fee
GBP 0 - free loan matching service↗
Credit check
Soft prequal↗
Funding time
Most loans paid into bank account within one hour, same day after approval, up to 2-3 days↗
Representative example
Borrow £1,000 over 12 months, monthly repayment £116.05, total repayment £1392.60 including £392.60 interest, 79.5% APR fixed↗
Rate type
Fixed↗
Lender type
Broker↗
Eligibility
UK residents, over 18, permanent employment or pension or disability benefit/living allowance, UK bank account with valid debit card↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
MediaBlanket Ltd↗
Headquarters
United Kingdom↗
Support channels
Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
supafinance.co.uk

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • No arrangement fee, so the GBP 0 - free loan matching service keeps a quote free to run
  • Funding the same day after approval, with most loans paid in within the hour
  • A soft prequalification check, so a quote does not need a full credit search
  • Fixed rate loans across 1 to 120, from a short payday to a longer personal loan

Cons

  • The 12.9% to 1,721% reaches well past the 14.43% for personal loans, so the cost is high at the top end
  • Support runs on email and help centre only, with no phone line listed for urgent questions
  • A broker rather than a lender, so the MediaBlanket Ltd sets the price and the funder is named only after a match
SupaFinance

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • UK residents on permanent employment, a pension or a disability or living allowance who hold a UK bank account with a valid debit card
  • Adults with poor credit who need a small personal loan or a short payday loan and can wait for the same-day payment
  • People who want a quote without a full credit search and a fixed rate for the whole term

Who should look elsewhere

  • Anyone wanting to borrow a large sum, since £100 to £10,000 caps what a match can cover
  • Readers with strong credit who can hold a much lower rate, where the 7.49% is available on the site
  • Applicants without a UK bank account and valid debit card, which the eligibility rules require

Safety of your money

SupaFinance is a broker rather than the lender, so the company named on the key information page is MediaBlanket Ltd. It is authorised and regulated in the UK by the Financial Conduct Authority under 723605, and the representative example is quoted at a fixed rate so the figure does not move. Money is paid straight into a UK bank account after approval, usually within the hour, with same-day funding offered as a same day funding.

How SupaFinance compares

Where SupaFinance is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (723605), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to run a quote?+

There is no charge for the matching service, with GBP 0 - free loan matching service stated on the help pages. The only cost is the interest on a loan you accept, priced at a fixed rate. The 12.9% to 1,721% range shows how much that can vary between a match and a more expensive one.

How fast is the money?+

Most loans are paid into a bank account within the hour once approved, on the same day. Funding time is listed alongside same day funding for same-day payment, though some cases take a few extra days to clear. The lender, not the broker, sets the payout after a match.

What rate will I pay?+

Rates are fixed, and 12.9% to 1,721% is the range a quote can land in. A representative example is given on the key information page to show repayments clearly. Compare that figure with the 25.09% typical of personal loans on the site before you commit.

How much can I borrow and for how long?+

Amounts run £100 to £10,000 and terms run 1 to 120, covering both personal loans and payday style short terms. A broker match fills a gap you may not get elsewhere, since the service works with lenders for poorer credit. The legal entity behind the service is MediaBlanket Ltd.

Is my money safe with this service?+

The service is regulated in the UK by the Financial Conduct Authority under 723605, and the quoted rate is fixed. As a broker, it does not lend the money itself. Loans are paid into your own UK bank account rather than held on your behalf.

Does checking my credit get me declined?+

The soft prequal step means a quote does not need a hard search, which helps if you already know your poor history is thin. A full search usually follows only after you accept an offer. This is a common route for people turned down by mainstream lenders.

Who can apply?+

Applicants must be UK residents and adults, in permanent employment, or drawing a pension, disability benefit or living allowance. A UK bank account with a valid debit card is also required, since funds are paid out by bank transfer. Benefits alone can be enough to qualify.

How do I get help after I apply?+

Support is offered through email and help centre, so a help centre and email cover questions either before or after a match. There is no phone channel listed, which matters if a payment is due and you need an answer quickly. Keep the lender's own details once a match is made.

Sources

  • mediablanket.co.uk/about checked September 26, 2026

    Backs: Loan types

    “From HCSTC, to instalment loans, through our own websites and our ever-growing lender panel, we are able provide our customers a broad range of solutions.”

  • mediablanket.co.uk/contact-us checked September 26, 2026

    Backs: Support channels

    “hello@mediablanket.co.uk”

  • supafinance.co.uk checked September 26, 2026

    Backs: Credit check, Features, Headquarters, Legal entity, Lender type

    “lenders will carry out a soft search on your credit file”

  • supafinance.co.uk/faq checked September 26, 2026

    Backs: Credit needed, Arrangement fee

    “A poor credit rating does not necessarily mean you cannot get access to credit, so don't let this put you off from using our service.”

  • supafinance.co.uk/key-information checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Pricing model, Rate type, Representative example, Term, Licences

    “Loans are available between £100 and £10,000”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

SupaFinance

SupaFinance

Borrowers turned away elsewhere who want a free quote and money in the account the same day.

8.6/10See alternatives