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Personal Loans

Borrow £7,000 to £30,000 at a low rate of 3.3% APR representative. Credit is subject to status. Exclusively available for first direct 1st Account holders.

Calculate your repayments

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Representative example

Borrowing Amount
Month term
Monthly repayments
3.3% p.a
Interest rate (fixed)
3.3 APR
Total repayable

A Personal Loan in minutes

Because no-one likes hanging around, applying for a first direct Personal Loan is fast, easy and remarkably pain-free.

Planning a holiday? Fancy a new car? Want to build your own robot dog? You can borrow between £1,000 and £50,000.

  • quick decision in minutes if you're applying on your own*
  • immediate access to your money if approved in our App
  • Personal Loans available from £1,000 to £50,000
  • fixed monthly repayments between 1 and 7 years, so you know where you stand
  • flexibility to overpay, which may reduce the amount of interest you pay.


3.3% APR

for loans between £7,000 and £30,000.

Representative example:
If you borrow £7,000, over 60 monthly repayments of £126.68, at an interest rate of 3.3% p.a (fixed), with a representative 3.3% APR, the total amount you'll repay is £7,601.09.

How to apply for a Personal Loan

Existing Customers

Log on to our App or Online Banking and go to 'Products'.

Log on to Online Banking

Or, you can call us on:

New to first direct

This product is only available to first direct Current Account customers (you're more than welcome to join us...)

More about our current account

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 21.9% 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 or if there are any changes in your circumstances coming up - like an increase in outgoings or reduction in disposable income - that could affect your ability to repay what you have borrowed over the whole term.

**Our Personal Loans Team is available from 8am to 10pm, seven days a week.

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