Fintech UX/UI Design for Finova C-LOC

The Challenge

Getting a loan usually requires a lot of paperwork with multiple steps to be performed. Our #1 challenge in the fintech UX design for Finova team was to simplify the flow for both users and company internal employees.

The Solution

Qubstudio ran deep finance industry investigation together with Finova experts, to upgrade and rebuild their product with an eye on interactive mobile-first design using the latest banking UX trends.


During this phase we defined two main objectives:
Business goals — to automate the sign up process, simplify onboarding stage and minimize the resources spent on lead qualification.
User goals — get quick and easy access to the information about potential loan amount, and minimize the time spent on registration and loan calculation.
For completely digital fintech product like Finova it’s crucial to keep online client relationships smooth and productive.

Filling the gaps

Next, we analyzed the current getting loan flow according to the data provided by Finova team. Qubstudio found the following key problems: users were able to skip mandatory fields and additional information. Thus, lack of information caused longer qualification for the company and increased applying time for users. Apart from that, users who started the registration process often got stuck and didn’t get to the application placing stage. At this stage, we rethought product information architecture to make it consistent, efficient and straightforward.

Edward, 34 y.o.
New Finova user,
Сan’t fill all info by himself
"Need emergency cash for dental treatment, today"

User Goals:

  • Wants to know as quick as possible if he can take car title loan
  • Wants to see rates and fee structure completely clear before making the final decision
  • Wants to take fair credit; afraid to lose car, since doesn’t have another working vehicle

User Personas

According to Finova study, most of the borrowers who are looking to get a loan are spending it on covering personal needs, or paying bills. Typical user is the one who is not able to get a credit in a bank for some reason. Therefore, needs quick and comfortable access to the funds and reasonable accommodation to pay off their cars.

User Flows

During the phase of financial UX design, we’ve improved the logic and the structure through each stage of the system. Also established Information Architecture of user flows based on 3-level visual hierarchy, which simplifies navigation inside the service. It also gives us the ability to work on UX/UI design and development simultaneously.

Information Architecture

UX/UI for financial services, wireframes and layouts are based on mobile-first principle this time.
The user can see all steps listed before he starts typing in the details about his car and himself. All the questions are split up into logical groups, so the user can follow it step by step. Additionally, user sees how much time he’ll need to finalize.

UX Design Approach

Taking into account the design trends that prevail in Fintech UI UX, we came up with a card system. As the result, the information is presented in sections, only one of which is expanded at a time. In order to adhere a mobile-first concept, we included 7-10 forms per screen.


Once users enter the service, they can easily find the most essential information — what is the amount of loan they can expect to get? The calculation is done by filling your car info.
Next stage of qualification — a detailed questionnaire where the user writes down his personal information and additional details about the vehicle, uploads a car photo, etc.
The offline part contains a step by step guide through documentation which needs to be signed as well as information how and where to can get your money. Such consistency in registration ensures a seamless loan getting process.

financial app wireframes

Design Language

As we consider Finovas Get Title Loan to grow into a scalable and repeatable product, an established fintech UI design system provide us with accessible markup to serve as a foundation for further updates.

fintech website design

Financial UI Design

Due to the straightforward design process, the implementation of the banking UI design was the least-time-consuming phase of the project. Our main task as a UX design agency for finance was to facilitate the user interaction.
Helping Finova to educate their clients and lead them through loan getting process we consider not to interrupt users’ attention with decoration. It’s important to keep their focus on what matters - on the fastest way to reach their goal.

fintech ui design
financial app ui design

Fully responsive design

Thanks to mobile first approach, the service is now easy to use on any device. Just follow it step by step and you’re good to go.

Camera interactions

As the user has to take several precise photos of the car, we created photo templates — this way we don’t need to explain each particular angle with words, and possible misunderstandings are brought down to minimum.

Calc interactions

Plan how much you can borrow with your current income and expenses using our super fast and intuitive built-in calculator without switching to external apps.

Project summary

In collaboration with Finova team, we’ve rebuilt company products in terms of user experience. Qubstudio came up with simple, intuitive user flows, eliminating the unnecessary steps and keeping Finova innovative product approach. Currently, Finova Financial provides fast affordable loan opportunities to the 70 million financially underserved Americans.
3 months
Project Manager
Lead Designer
UX Designer
UI Designer
USA, Florida

Scouting for design agencies?

Our expert will contact you back shortly to discuss your plans and goals.
Get in touch