First Direct

First Direct

(14 customer reviews) Submit review
First Direct has an average rating of 4 out of 5 based on 14 user reviews

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Address
40 Wakefield Road, Leeds, LS98 1FD
Telephone
08456 100 100
Email
[email protected]
 
 

Acceptance Criteria

You need:
  • You will need: Proof of ID, bank statement, utility bill, 3 months banking history
  • You must have been a UK resident for 3 years or longer
  • You must have a First Direct 1st account to apply
  • You must be in full-time, part-time or self-employment earning at least £700 per month
  • You must have a good credit history
  • You must be 18 years of age or older to apply
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Reviews
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Customer Reviews - The truth about First Direct

Average Customer Review: (14 customer reviews) Add your own review

Average Customer Review:

(14 customer reviews)
Add your own review

The most favourable review

My first loan

Ana
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

It's a real struggle to look for a loan but with First Direct it is so easy!!! I am confident that my loan will be accepted. I think it's the best choice I've made!!!

The most critical review

MORONS at Foremostly Dire

Sarah, Fetcham
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I've banked with these jokers for FOURTEEN YEARS! 13 of these years I've been an exemplary customer. I set up my own business recently and informed them my account would be in difficulties until I could organise a biz loan or finance to assist me. Despite constant calls to inform them of my financial status, keeping them updated, being responsible about my debt and only ever being late by a few days (worst was one payment which was 2 weeks), they have been PATRONISING,UNHELPFUL, RUDE and downright threatening! I clearly don't fit in to their little tick boxes any more so they feel they have every right to tell me off and drown me in ever increasing late payment charges. Its a JOKE. Go to a bank where you can deal with a local manager and staff who actually give a rats, have a brain and can think outside the box and not try to put you in one...permanently!!!!!!!!!!!!

Very helpful

Brian
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

Speedy payment

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MY FRIST TIME AND BUY A SMALL CAR

Mark
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I just hoped they could help me in my hour of need

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MORONS at Foremostly Dire

Sarah, Fetcham
2 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I've banked with these jokers for FOURTEEN YEARS! 13 of these years I've been an exemplary customer. I set up my own business recently and informed them my account would be in difficulties until I could organise a biz loan or finance to assist me. Despite constant calls to inform them of my financial status, keeping them updated, being responsible about my debt and only ever being late by a few days (worst was one payment which was 2 weeks), they have been PATRONISING,UNHELPFUL, RUDE and downright threatening! I clearly don't fit in to their little tick boxes any more so they feel they have every right to tell me off and drown me in ever increasing late payment charges. Its a JOKE. Go to a bank where you can deal with a local manager and staff who actually give a rats, have a brain and can think outside the box and not try to put you in one...permanently!!!!!!!!!!!!

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my first time

Wieslaw
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

it is ok

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exellent

John, Ellesmere port
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

almost to good to be true

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i wanted to do my driving lessons and buy a car

Samuel
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

mint!!!!!

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my first loan

Patrick
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

cant belive how easy it was im happy

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excellent banking

Felicity
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

fantantastic customer support and easy to talk with.

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My first loan

Ana
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

It's a real struggle to look for a loan but with First Direct it is so easy!!! I am confident that my loan will be accepted. I think it's the best choice I've made!!!

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Wanted to join my loans together

Amy
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I have been with First Direct for 19 years now and I have had a couple of loans with them and also a credit card. When I called once to ask about joining my loans together to get a lower interest I was spoken to by a rude and unhelpful member of staff. I was made to feel stupid and to this day I still have both loans active.

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I wanted to by a PC quickly

Lukasz
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

Recently I saw a PC I wanted to buy on a Saturday and I wanted to arrange a loan quickly. I phoned First Direct and a personal loan was approved within 5 minutes. An extended free overdraft was given to me immediately so I could make the purchase before I signed the loan papers. The loan was in my account the following Friday. It was for £500 at an APR of just 12.9%... amazing.

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6 years with First Direct

Yokabet
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

My personal loan with First Direct has been going solid for 6 years now. I set up the loan over the phone, it was so easy and I can organise money matters at times that suit me. The loan was agreed instantly and the money was in my account on the Tuesday. The agent was pleasant, knowledgeable and did not try and sell me extra insurance.

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Mortgage Deposit

Mark, Barnet
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

I have been a customer for First Direct ever since they started and I honestly can't fault them. I needed an extra £14,000 for my mortgage deposit and I looked at loads of other loan companies and I just wasn't happy. I checked out First Direct's loan site and I requested £14,000 over 7 years... the money was in my account the next day! After this, some documents arrived that I had to sign and sign back but that was it.

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This is my fourth First Direct loan

Benjamin
3 years ago

 
 
 
 
 
  price
 
 
 
 
 
  simplicity
 
 
 
 
 
  speed to payout

After looking at applying for another loan with First Direct, I feel very confident and safe in the fact that my loan will be accepted and it will be in my account within 24 hours. I have seen rates decrease from 12.9% to 7.9%! Brilliant financial company.

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Loan Details
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Loan Details

APR 5.1% - 15.9%
Representative APR 15.9%
Loan Amount £1,000 - £25,000
Repayment Period Minimum Term 1 year

Loans up to £25,000 - 7 years
Repayment Method Direct Debit from your First Direct 1st Account
Speed To Payout After you have applied, First Direct will send out your loan agreement to sign and send back. Once they have received your signed acceptance they will send out your loan money Immediately into your First Direct account
Arrangement Fee No Fee
Payment Holidays None Available
Payout Method Transferred into your First Direct 1st Account
APR 5.1% - 15.9%
Representative APR 15.9%
Loan Amount £1,000 - £25,000
Repayment Period Minimum Term 1 year

Loans up to £25,000 - 7 years
Repayment Method Direct Debit from your First Direct 1st Account
Speed To Payout After you have applied, First Direct will send out your loan agreement to sign and send back. Once they have received your signed acceptance they will send out your loan money Immediately into your First Direct account
Arrangement Fee No Fee
Payment Holidays None Available
Payout Method Transferred into your First Direct 1st Account
Representative Example
Representative example: based on £1000 over 12 months, monthly repayments of £90.19, total amount repayable £1,082.23. Representative APR 15.9%.

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About First Direct
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About First Direct

First Direct offer unsecured loans ranging from £1,000 to £25,000. You must have a First Direct 1st Account to apply. If you do not currently have a First Direct Account, you can apply for one, upon opening a new account you will receive £100 just for transferring banks. First Direct are an online bank so you have 24 hours a day access to your account.

You can apply online or over the phone. Once you have applied, they can give you an instant decision. As it is all done online, you will need to electronically sign your loan agreement. You can receive payout on the same day. You must be able to e-mail or fax copies of documents that will be needed in order to agree your loan.

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