Direct Lender Loans from £100 to £5000

Loans from 3 months to 24 months

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NO OBLIGATION & NO BROKER FEES

Representative 97% APR (fixed)

Representative example: Borrow £1000 for 24 months at 24 equal instalments of £77.48. Total amount to repay £1,859.52. Interest £859.52. Annual interest rate 70% (fixed). APR rates range from 45.3% APR. to 1575% Max APR. Your APR rate will be based on your circumstances.

We are not a lender but a licensed credit broker in the UK

What is a direct lender loan?

A direct lender is a lender who lends their own money; it basically cuts out the middle person. This means a direct lender can instantly make all of their loan decisions, so applying for a loan is quicker.

List of direct lenders in the UK

Here at ThisLender, we make applying for a direct lender loan easy by matching you with the best direct lender option on our panel. Some direct lenders that feature on our panel are listed below.

So whether you’re looking to access cash short-term such as a payday loan, or whether you’re in search of a revolving credit facility — we can help you get matched to a suitable direct lender.

Here is a list of some of the direct lenders in the UK:

118 118 Money - Direct Lender Logo

118 118 Money

118 118 Money is a direct lender offering unsecured personal loans from £1,000 to £5,000 over a 12 - 36 month period. They promise their borrowers a fair and affordable loan solution with no hidden fees.

Min Loan Amount £1,000
Max Loan Amount £5,000
Min Term 12 Months
Max Term 36 Months
Representative APR 49.9%

Bamboo Loans - Direct Lender Logo

Bamboo Loans

Bamboo Loans offer flexible personal loans from £1,000 to £8,000 borrowed over a 12 to 60 month period and with a representative 59.7% APR. Bamboo loans do not require a guarantor and have made the loan application process as simple as possible.

Min Loan Amount £1,000
Max Loan Amount £8,000
Min Term 12 Months
Max Term 60 Months
Representative APR 59.7%

Buddy Loans - Direct Lender Logo

Buddy Loans

Buddy Loans offer guarantor loans from £1,000 to £10,000 over 12 - 36 months. Buddy Loans makes accessing a loan easy, even if you have no credit or slow credit. Their loans are granted on the borrower’s ability to repay the amount, with your guarantor vouching for you, helping you repay the loan if necessary.

Min Loan Amount £1,000
Max Loan Amount £10,000
Min Term 12 Months
Max Term 36 Months
Representative APR 49.9%

Buffa Loans - Direct Lender Logo

Buffa

Buffa offers short term loans from £100 to £750 over 3 - 6 months. So if you need cash fast and can pay it back quickly, Buffa could be a good option for you. They pride themselves on their quick decisions and the option to repay your loan early to save interest — and the best bit? No late payment fees.

Min Loan Amount £100
Max Loan Amount £750
Min Term 3 Months
Max Term 6 Months
Representative APR 1116%

CashASAP - Direct Lender Logo

CashASAP

CashASAP offer payday loans from £150 to £300 over 1 - 35 day and monthly instalment loans from £150 to £700 over 3 - 6 months. And as their name suggests, they’re pretty quick at making decisions.

CashASAP Payday Loan

Min Loan Amount £150
Max Loan Amount £300
Min Term 1 Day
Max Term 25 Days
Representative APR 1403%

CashASAP Instalment Loan

Min Loan Amount £150
Max Loan Amount £750
Min Term 3 Months
Max Term 6 Months
Representative APR 1288%

CashFloat - Direct Lender Logo

CashFloat

CashFloat offers payday loans from £300 to £1000 over 3 - 6 months and small personal loans from £1000 to £2500 over 6 - 9 months. Their loans are unsecured, which means you don’t need to offer up an asset as security, which makes the whole loan application process nice and quick.

CashFloat Payday Loan

Min Loan Amount £300
Max Loan Amount £1,000
Min Term 3 Months
Max Term 6 Months
Representative APR 611.74%

CashFloat Small Personal Loan

Min Loan Amount £1,000
Max Loan Amount £2,500
Min Term 6 Months
Max Term 9 Months
Representative APR 295.58%

DotDotLoans - Direct Lender Logo

DotDotLoans

Dot Dot Loans is a direct lender that offers short term loans from £100 to £1000 over 3, 6 or 9 months and long term loans from £1500 to £5000 up to 48 months. They steer clear of unnecessary charges and deliver customers a convenient and responsible loan service.

DotDotLoans Short Term Loan

Min Loan Amount £100
Max Loan Amount £1,000
Min Term 3 Months
Max Term 9 Months
Representative APR 824.7%

DotDotLoans Long Term Loan

Min Loan Amount £1,500
Max Loan Amount £5,000
Min Term 18 Months
Max Term 48 Months
Representative APR 79.4%

Drafty Loans - Direct Lender Logo

Drafty

Drafty offers a line of credit rather than a loan from £50 to £3000 with a representative of 89.7% APR. If you’re looking for a bad credit loans direct lender in the UK, Drafty will consider your application regardless of your credit history. Their line of credit works like a pot of cash up to £3,000 — so you can keep using it again and again until you reach your credit limit. Your application can be approved in as little as 90 seconds.

Min Loan Amount £50
Max Loan Amount £3,000
Representative APR 89.7%

Everyday Loans - Direct Lender Logo

Everyday Loans

Everyday Loans offer short term loans from £1,000 up to £15,000 over a minimum term of 18 to 60 months, for almost any purpose. With a conditional decision within minutes, Everyday loans can help you access cash fast, and because of their case-by-case approach to all customers, they can offer a degree of flexibility to loan amounts that other lenders can’t provide.

Min Loan Amount £1,000
Max Loan Amount £15,000
Min Term 18 Months
Max Term 60 Months
Representative APR 99.9%

Lending Stream Loans - Direct Lender Logo

Lending Stream

Lending Stream offers short term loans from £50 to £1500 over six months. A sister brand of Drafty, Lending Stream provides an alternative to payday loans; their short-term credit solutions mean you can access cash when you need it.

Min Loan Amount £50
Max Loan Amount £1,500
Min Term 6 Months
Max Term 6 Months
Representative APR 1333%

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Access from £100 to £5000

Likely Loans - Direct Lender Logo

Likely Loans

Likely Loans offer personal loans from £500 to £5000 over 12, 24 or 36 months. Loans without surprises, Likely Loans offer an affordable approach to lending money. Using technology such as Open Banking means what you’re offered is affordable in relation to your financial situation. Once your application is accepted, the funds will be in your bank account the next working day.

Min Loan Amount £500
Max Loan Amount £5,000
Min Term 12 Months
Max Term 36 Months
Representative APR 59.9%

LoanPig Loans - Direct Lender Logo

Loan Pig

LoanPig is a direct lender that offers short term loans from £50 to £1500 over 2 - 12 months. This direct lender welcomes all credit histories to apply for their loans, and it’s easy to apply with their service existing 100% online — no in-branch visits here; they’re an online loan direct lender.

Min Loan Amount £50
Max Loan Amount £1,500
Min Term 2 Months
Max Term 12 Months
Representative APR 292%

Loans2go - Direct Lender Logo

Loans2Go

Loans2Go offer online unsecured personal loans from £250 to £3,000 over 18 months to 24 months. With Loans2Go, applicants can repay loans early to save interest fees; this direct lender can also ensure money is in your account in just 15 minutes.

Min Loan Amount £250
Max Loan Amount £3,000
Min Term 18 Months
Max Term 24 Months
Representative APR 770%

Moneyboat Loans - Direct Lender Logo

Moneyboat

Moneyboat offer flexible short term loans from £200 to £1500 over 2 - 6 months. Offering an easy to understand repayment plan, Moneyboat commits to providing customers affordable and fair short-term loan options. They also accept applications from applicants with a poor credit history.

Min Loan Amount £200
Max Loan Amount £1,500
Min Term 2 Months
Max Term 6 Months
Representative APR 939.5%

MrLender Loans - Direct Lender Logo

MrLender

MrLender offers quick short term loans from £200 to £1000 over 3 - 6 months. With no upfront fees and over 30,000 five-star reviews, MrLender is a popular direct lender choice among consumers. Use their calculator to work out how much your repayment instalments will be and the total cost of your loan.

Min Loan Amount £200
Max Loan Amount £1,000
Min Term 3 Months
Max Term 6 Months
Representative APR 1256.0%

Oplo Loans - Direct Lender Logo

Oplo

Oplo offers personal loans from £2000 to £15000 over 24 - 72 months, home loans from £5,000 to £100,000 over 24 - 180 months, and car finance from £5000 to £15000 over 12 to 60 months. Whether you’re looking to consolidate your debts or book a five-star holiday, Oplo has you covered with their loan products.

Oplo Personal Loan

Min Loan Amount £2,000
Max Loan Amount £15,000
Min Term 24 Months
Max Term 72 Months
Representative APR 28.50%

Oplo Home Loan

Min Loan Amount £5,000
Max Loan Amount £100,000
Min Term 24 Months
Max Term 300 Months
Representative APR 15.40%

Oplo Car Finance

Min Loan Amount £2,000
Max Loan Amount £15,000
Min Term 12 Months
Max Term 60 Months
Representative APR 24%

QuidMarket Loans - Direct Lender Logo

Quidmarket

Quidmarket is a direct lender providing short term loans and flexible alternatives to payday loans. Borrow between £300 to £1500 over 3 - 6 months. Brand new customers can borrow between £300 and £600, and returning customers can lend up to £1,500. If you’ve got bad credit, you can still apply, and they don’t require a guarantor or collateral to secure the loan.

Min Loan Amount £300
Max Loan Amount £1,500
Min Term 3 Months
Max Term 6 Months
Representative APR 1301%

Safetynet Loans - Direct Lender Logo

SafetyNet Credit

SafetyNet Credit offers a flexible line of credit up to £1000 rather than a payday loan or short term loan. Use their free app to optimise and oversee your borrowing, expect no extra costs or hidden charges, and select between automatic and manual repayments.

Min Loan Amount £1
Max Loan Amount £1,000
Representative APR 68.7%

Savvy Loans - Direct Lender Logo

Savvy

Savvy offers unsecured loans from £200 up to £1000 spanning 4, 6, 8 and 12 months. Cash is transferred to your bank account quickly after your application is approved, and if you make consistent repayments, you’ll be offered loans at a better rate over time.

Min Loan Amount £200
Max Loan Amount £1,000
Min Term 4 Months
Max Term 12 Months
Representative APR 1259.2%

The Money Platform - Direct Lender Logo

The Money Platform

The Money Platform offers peer to peer short term loans from £250 to £1000 over 4 - 12 weeks. As The Money Platform points out, we all encounter unexpected expenses from time to time. For those that traditional lenders disregard, they’re here to connect creditworthy borrowers to trustworthy lenders.

Min Loan Amount £250
Max Loan Amount £1,000
Min Term 1 Month
Max Term 3 Months
Representative APR 839.20%

Please note that some direct lenders aren’t taking on new applications at this moment.

This list was last updated on 22nd July 2021. We aim to keep reviewing this periodically.

Do direct lenders offer loans for poor/bad credit?

Yes. Direct lenders will take all applicants into account; even if you have a very bad credit history, you can still apply for a loan. Getting a quote will not affect your credit score, so if you’re unsure of your options, compare direct lenders now.

Remember:Improving your credit score before you apply with a direct lender will give you a better chance of getting accepted for a loan. Not only that, but it will give you access to a wider choice of credit products and better rates. You can check your credit report, scores and more for free with Credit Karma.

Do direct lenders offer loans with no credit checks?

No. Lenders are responsible for carrying out credit checks on all potential borrowers as part of their responsible lending obligation. This allows them to see your financial history in detail and ensures you, the borrower, is able to repay the loan on time and in full.

There are two types of credit checks a direct lender will perform:

Soft Credit Check

A ‘soft credit check’ is a quick look at your credit report. This is often used in the initial stages of your loan application. These soft credit searches aren’t visible to other companies and, as a result, do not affect your credit score.

Hard Credit Check

A ‘hard credit check’ is when a lender requests a full copy of your credit report. This is often used in the final stages of your loan application. However, too many hard credit searches in a short space of time can damage your credit rating.

What types of loans do direct lenders offer?

Direct lenders can offer a wide range of loans to suit a variety of customer needs. The most common types of loans provided by the direct lender panel we work with include:

Will I be eligible for a direct lender loan?

The criteria will differ depending on the direct lender, but, generally, to meet basic eligibility, you must:

  • Be aged 18 or over
  • Be a UK resident with a permanent address
  • Be employed (full-time, part-time or self-employed) and have a regular income
  • Have a UK bank account with a debit card
  • Have your wages paid into your UK bank account

Ready to apply? Apply now.

How to apply for a direct lender loan

Applying for a direct lender loan is easy. You can either apply directly with the lender online, use a comparison site or use an online broker like ThisLender (completely free to use) to match your application to a suitable direct lender in minutes.

Using ThisLender means we do it all for you. After you’ve filled out our short form, we compare all loan options from our lending panel, so you don’t have to worry about researching and comparing loan products.

Get your loan quote today

Access from £100 to £5000

Why choose ThisLender?

As brokers, we’ve helped many customers find the best direct lender loan option for their specific needs through our matching service, and you can trust us — we’re authorised and regulated by the Financial Conduct Authority (FCA). We’ve worked in the Consumer Credit sector for years, and our only goal is to provide you with the best loan options available on the market.

The information we provide our customers with is 100% unbiased and always in their best interest.

Ready to apply? Apply now.

Get your free loan quote today

Access from £100 to £5000

Apply online APPLY NOW  

Representative 97% APR (fixed)

Representative example: Borrow £1000 for 24 months at 24 equal instalments of £77.48. Total amount to repay £1,859.52. Interest £859.52. Annual interest rate 70% (fixed). APR rates range from 45.3% APR. to 1575% Max APR. Your APR rate will be based on your circumstances.

We are not a lender but a licensed credit broker in the UK

Types of Loans & Credit