how to apply for a personal loan

Make it happen in minutes

Representative 3.6% APR for loans between £7,000 and £25,000.

Whether you're making a few home improvements, taking a holiday, or anticipating a special occasion, we've made applying for a Personal Loan online the simplest part of the process.

  • quick decision (sole application only*)
  • immediate access to your money if approved online
  • one of the best rates on the market
  • fixed monthly repayments for the term of your loan
  • a commitment to responsible lending
  • our Personal Loans are only available to first direct 1st Account customers.

*Please call 03 456 100 199 for joint applications or if you foresee any changes in

your circumstances (possible increase in outgoings or reduction in disposable income) affecting your ability to repay borrowing over the whole term.

Credit is subject to status. The rate you receive is dependent on your individual circumstances; credit checks and assessment of your financial circumstances. Borrow £1,000 - £25,000 with fixed repayment terms.

Personal Loan at a glance

A first direct Personal Loan is an unsecured loan account offering a competitive rate of interest and fixed monthly repayments for the term of the loan - so you always know where you stand. You'll find more information below - but please also read our Important Notes about our loans and Interest Rates and Charges before you apply.


Category: Credit

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