Direct Lender Loans from £50 to £5,000

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Representative 49.9% APR

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - your no-obligation quote and APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

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

What is a direct lender loan?

A direct lender loan is a type of consumer finance product that gets issued directly by a lender. The term ‘direct lender’ simply refers to a loan provider who lends their own money - cutting out the middle person.

When customers apply directly with a lender, the direct lender is able to instantly make all of their own loan decisions. Because of this, applying for a personal loan with a direct lender is usually a far simpler and quicker process.

Woman looking at an online list of direct lenders in the UK

List of direct lenders in the UK

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

This list is the go-to for all consumers in need of loans from direct lender loans. So, whether you’re looking to access short-term cash through a payday loan, or you’re in search of a revolving credit facility - we do our best to get you matched to a suitable direct lender.

Perhaps you’re in need of direct lenders for bad credit - if so, that’s not a problem either! Many of the direct lenders that feature on the list have options for payday loans for bad credit and more.

The best part? All of the direct lenders that feature on our UK direct lender list are authorised and regulated by the Financial Conduct Authority. This means you can be certain that you’re researching trustworthy providers, helping you borrow with confidence.

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%

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 1334.4%

CashASAP Instalment Loan

Min Loan Amount £150
Max Loan Amount £750
Min Term 3 Months
Max Term 6 Months
Representative APR 1266.6%

CashFloat - Direct Lender Logo

CashFloat

CashFloat offers payday loans from £300 to £1500 over 3 - 9 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 £1,500
Min Term 3 Months
Max Term 9 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%

Get your loan quote today

Access from £50 to £5000

Creditstar - Direct Lender Logo

Creditstar

Creditstar offer flexible consumer loans from £500 to £5000 over 6 - 18 months. With over 15 years of experience as a trusted lender, Creditstar is clear and upfront about costs - so you know exactly what you’re getting. There are no hidden fees or charges, no paperwork or complicated process.

Min Loan Amount £500
Max Loan Amount £5000
Min Term 6 Month
Max Term 18 Months
Representative APR 100.96%

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. 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%

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%

Fair Finance - Direct Lender Logo

Fair Finance

Fair Finance are a direct lender that provides affordable personal loans from £400 to £1000 over 6 - 12 months. So if you need cash for a big purchase or a small emergency, Fair Finance could be a suitable option for you. Their product is flexible, allowing you to repay weekly, fortnightly or monthly to suit your needs.

Min Loan Amount £400
Max Loan Amount £1000
Min Term 6 Months
Max Term 12 Months
Representative APR 266.9%

Get your loan quote today

Access from £50 to £5000

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%

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 1261%

Loans2go - Direct Lender Logo

Loans2Go

Loans2Go offer online unsecured personal loans from £250 to £2,000 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 £2,000
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%

Get your loan quote today

Access from £50 to £5000

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 1240.1%

Oplo Loans - Direct Lender Logo

Oplo

Oplo offers personal loans from £2000 to £15000 over 24 - 72 months and home loans from £5,000 to £100,000 over 24 - 180 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 31.6%

Oplo Home Loan

Min Loan Amount £5,000
Max Loan Amount £100,000
Min Term 24 Months
Max Term 300 Months
Representative APR 11.7%

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 1296.5%

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 £300 up to £1200 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 £300
Max Loan Amount £1,200
Min Term 6 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 5th May 2022. We aim to keep reviewing this periodically.

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Why choose direct lender loans?

Many people prefer to borrow money from direct lenders because it simplifies the process and only requires one application to be made with the lender. While direct lender loans can be more straightforward, it’s important to find the right direct lender for your needs.

Researching different direct lenders in the UK can take up a huge amount of time, which isn’t something you can necessarily afford in a financial emergency. For this reason, our list of direct lenders can be utilised to compare up-to-date lender offers from one place.

Can I get direct lender loans for 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.

Very bad credit loans from direct lenders in the UK:

With a very bad credit score, you might think that you aren’t able to qualify for a loan from direct lenders in the UK. Luckily, this is not the case! With slightly bad or even very bad credit, personal loans are still issued by direct lenders - providing you can prove your affordability.

Consumer finance is becoming more forward thinking than ever before, which means that many direct lenders are able to see past a very bad credit history and conduct different checks to determine whether or not you can afford to borrow money.

Whenever you decide to pursue a loan with a bad credit score, it’s important to ask yourself whether or not you can confidently take on debt. If not, your credit score could go from very bad to worse - which is a position you definitely don’t want to be in.

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.

Lots of our customers search for no refusal payday loans, but in the UK, direct lenders reserve the right to refuse applicants who don’t meet the eligibility criteria. This is done in your best interests, to avoid you taking on debt you can’t afford to repay.

Do direct lenders offer loans with no credit checks?

No credit check direct lender loans do not exist. All UK lenders are required to conduct credit checks as part of their responsible lending obligation as set out by the Financial Conduct Authority’s regulations.

Lenders are responsible for carrying out credit checks on all potential borrowers, so if you find a provider offering no credit check direct lender loans, you must check their legitimacy using the FCA’s Financial Services Register.

The credit check allows lenders 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.

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 an online broker service like ThisLender. Here at ThisLender, it is completely free for you to make an online application. After you have submitted our short online form, we simply match you to a direct lender suitable to your needs in just minutes.

As a broker, we’re on hand to help you navigate the world of consumer finance. Borrowing money can be daunting, which is why we try to make it as easy as possible for you to get the money you need quickly.

Applying for direct lender loans:

  1. Apply online for free

    Spend 5 - 10 minutes completing our easy online application. It costs nothing to apply, and you don’t have to provide any additional paperwork either.

  2. Get a quote from a suitable direct lender

    We will quickly match you to a suitable direct lender on our panel and you will be sent their offer directly. All quotes sent are no-obligation, so you don’t have to go through with the loan.

  3. Money deposited directly to your account

    Once you have been approved, you will communicate directly with the lender to complete the final part of the loan process. As soon as you’ve signed the dotted line, the money gets deposited into your account, sometimes in as little as 10 minutes after approval.²

Get your loan quote today

Access from £50 to £5000

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.

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:

Can I get payday loans through direct lenders?

Yes! You can. Lots of direct lenders offer payday loans to customers who need to bridge the gap between their next payday. These short term loans are the ideal solution if you need to borrow smaller amounts of money quickly.

With payday loans, direct lenders tend to approve applications and release funds quickly. However, you should be aware that these loans can come with higher interest rates.

Lots of our customers search for no refusal payday loans, but in the UK, direct lenders reserve the right to refuse applicants who don’t meet the eligibility criteria. This is done in your best interests, to avoid you taking on debt you can’t afford to repay.

Why choose ThisLender?

As a leading UK broker, we’ve helped countless customers find a suitable direct lender loan option for their specific needs through our online loan matching service. We’re authorised and regulated by the Financial Conduct Authority (FCA), and we’ve worked in the Consumer Credit sector for years.

Our only goal is to provide you with a trusted and reliable loan matching service, and give you all the information you need to borrow responsibly with confidence.

Ready to apply with a direct lender through ThisLender? Apply now.

Where do I go for help if I’m in financial difficulty?

If you are having financial difficulties or need to speak to someone regarding your financial situation before applying for a loan you can get free and confidential advice from MoneyHelper (formerly The Money Advice Service), National Debtline or debt charity StepChange.

Get your free loan quote today

Access from £50 to £5,000

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Representative 49.9% APR

Representative example: Amount of credit: £1200 for 18 months at £90.46 per month. Total amount repayable of £1628.28 Interest: £428.28. Interest rate: 49.9% pa (variable). 49.9% APR Representative. Rates from 45.3% APR to 1721% APR - your no-obligation quote and APR will be based on your personal circumstances. The minimum repayment period for any loan will be 90 days from the date the loan is issued. The maximum repayment period is 3 years.

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

Types of Loans & Credit

Borrow Money

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