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Personal Loans

Our Personal Loan can help you get started on something big, new or exciting. Whether that's upgrading your car, home improvements, or giving yourself more peace of mind by tidying up your existing borrowing.

The best bits...

4.9% APR representative

For loans between £7,000 - £30,000 over 1 to 8 years

Get your money straight away

If approved, the money will be in your account instantly

Apply in minutes on our App

For a quick decision apply on our App. No lengthy forms to complete - because we know you, most of your info is pre-filled

Representative example

Borrowing Amount

Monthly Term

Monthly Repayment

Interest rate (fixed)

Representative

Total Repayments

Borrowing Amount

£7,000

Monthly Term

60

Monthly Repayment

£131.44

Interest rate (fixed)

4.9% p.a.

Representative

4.9% APR

Total Repayments

£7,886.20

There's more...

  • choose a loan amount and term to suit you - you can borrow from £1,000 to £50,000, repayable over 1 to 8 years
  • fixed monthly repayments so you know where you stand
  • flexibility to overpay and reduce your overall interest

Calculate your repayments

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1/2

Representative example

"7000"
Borrowing Amount
"60"
Monthly term
£93.41
Monthly repayments
3.3% p.a
Interest rate (fixed)
3.3 APR
Representative
£7,846.49
Total repayments

How to apply for a Personal Loan

Existing Customers

Log on to our App or Online Banking and go to ‘products’. If you want to apply for a loan in the App, you'll need to make sure you're on the latest version. Please visit the App Store for your device to upgrade.

Log on to Online Banking

New to first direct

Apply for our current account, and start banking wherever you are.

Before you apply

As you'd expect, credit is subject to status. The rate you'll receive depends on your individual circumstances, credit checks and an assessment of your financial situation. The maximum APR you could be offered is 24.9% APR.

You'll find more information in the Everything you should know tab on this page, and our postal address on our Contact us page. Please also read our Important Notes about our loans and Interest Rates and Charges (PDF) before you apply. Terms and Conditions apply.

*Please call us on 03 456 100 199** for joint applications, where you already have 2 or more first direct loans, or where you wish to restructure/consolidate your existing first direct loan.

**Our personal loans team is available from 8am to 10pm Monday to Thursday, 8am to 9pm Friday, 8am to 8pm Saturday and 9am to 8pm Sunday.

Who can apply?

All we ask is that you can say yes to everything below:

  • You’re 18 or over
  • You are a UK resident and live permanently in the UK
  • You have an annual income/pension before tax of £10,000 or more
  • You haven’t been declared bankrupt or registered for an Individual Voluntary Agreement in the last 6 years (or in the process of doing so.)

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Loans Guides

Deciding how to borrow money comes down to what suits you best. Here are some guides you can use to help you make up your mind:

Loan or car finance - what's best for me?

Loans for home improvements