First Direct Loans

First Direct is a division of HSBC Bank plc which is currently a telephone and internet-based retail bank in the United Kingdom.

First Direct started operating in 1989. Ever since we started operating, as a direct lender, we have helped 1.35 million customers. We have headquarters in Leeds, West Yorkshire, England.

We are safe and secured lenders

On our premises, no one can do as they please with the money to lend people or the one being repaid bank. The First Direct money is protected by the FSCS. Choosing First Direct gives you peace of mind. You relax while your money is being taken care of.

We lead by example

At First Direct, we know that money matters, it is important to you and us too. Hence, we bring you a revolutionary branchless bank experience so you could bank from home anytime you wanted, 24 hours a day. We are currently in the process of making a positive change to the nation's attitudes and beliefs around money by challenging how people feel about their finances. We put our customer's well-being at the heart of everything we do.

First direct work is recognized

At First Direct, we are a team of dedicated individuals that have only one goal which is to serve people. Our hardworking has been recognized by many organizations. In 2019 we were recognized as the most trusted current account provider as well as the most trusted financial provider.

We offer customers competitive deals

At First Direct we strive to offer our clients the best deals in the market. Our current account comes with amazing benefits, an overdraft facility, and a satisfaction guarantee. And its quite easy to switch to it.

At First Direct we are for the people. All we ever do is to improve the financial status of our people.

We have the most amazing loans that you can use to take care of your personal things. Our loans are designed to suit everyone regardless of how much you earn. If only you meet the minimum wage we want, you can apply for a loan.

Affordable personal loans at First Direct

First Direct personal loan is easy, fast, and pain-free. With First Direct you can borrow from £1,000 and £50,000. However, when you apply for a loan between £7,000 and £30,000 you will have a representative 3.3% APR.

Reasonable rates at First Direct

All credits are subjected to status. The rates in your loan depend on your circumstances, credit checks, and an assessment of your financial situation. The First Direct maximum APR you could be offered is 21.9% APR. It is always a wise idea to let us know if there is an increase in outgoings or a reduction in disposable income, that could affect your ability to repay what you have borrowed over the agreed term.

Financial support for all First Direct clients

The financial support package is available to help you in times of need. In times of financial difficulties, we can help you with the following:

• You are able to access your fixed-rate savings account early without closure charges.
• Help you with unsecured loans by offering tailored loans to individual customer needs.
• We allow you to apply for an increase in credit card and overdraft limits.
• You can request a payment holiday.