HomeLoans & Credit CardsPersonal Loans

Personal Loans

Calculate your repayments

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 online
  • 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 Online Banking, select 'Apply' and choose 'Personal Loan' from the left hand menu.

Log on to Online Banking

If you would prefer to speak to us, please call us on:

03 456 100 100

New to first direct

Sorry - our Personal Loans are only available to first direct Current Account customers (you're more than welcome to
join us...)

More about our current account

You can also talk to us anytime on:

03 456 00 24 24

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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