Direct Lenders | Loans Direct Lender UK @CreditRaters.com
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  • Loan Amount
    £100 - £750
  • Loan term
    1 - 5 Months
  • Interest
    292%
  • APR
    1255%
The Representative APR is 1297% APR so if you borrow £100 over 35 days at 292% p.a. (fixed) you will repay £28 in interest and £128 in total. Piggy Bank
  • Gold Trusted Service on independent rating site Feefo
  • Completely online service
  • Flexible repayments periods of between 7 days and 5 months
  • Part payments accepted during the loan term
  • Loan Amount
    £200 - £2000
  • Loan term
    6 - 12 Months
  • Interest
    150%
  • APR
    279.1%
Representative Example: Amount of credit: £800 for 12 months at £132.16 per month. Total repayment of £1,585.87. Interest: £785.87. Interest rate: 150% pa (fixed). 279.1% APR Representative. Pounds to Pocket
  • Apply for up to £2,000 to cover expenses
  • If approved, get cash sent within 10 minutes after approval
  • 9 out of 10 customers would recommend
  • Loan Amount
    £50 - £1000
  • Loan term
    1 - 3 Months
  • Interest
    292%
  • APR
    1299.1%
Representative Example: Amount of credit: £300 for 81 days with one repayment of £97.20 and one repayment of £397.20. Interest: £194.40. Interest rate: 292% pa (fixed). 1299.1% APR Representative. QuickQuid
  • Multiple repayment options of 1, 2 or 3 months
  • £1,000 available to new customers or £1,500 for existing customers
  • Cash sent to your bank account within 10 minutes of approval
  • Have helped more than 1.4 million unique customers
  • Loan Amount
    £100 - £700
  • Loan term
    1 - 6 Months
  • Interest
    274%
  • APR
    1081.24%
Amount of credit: £300 for 4 months. Interest: £185.68. Interest rate: 274%pa (fixed). Four repayments of: £121.42. Total amount payable: £485.68. Representative 1081.24% APR. Creditstar
  • Existing customers borrow up too £700
  • Reputable UK direct lender, delivered over 1 million loans
  • If approved, funds will be sent within 30 minutes
  • All credit considered, must be employed
  • Loan Amount
    £100 - £800
  • Loan term
    0 - 1 Months
  • Interest
    292%
  • APR
    1281.8%
Total amount of credit £80, duration of the agreement 29 days, rate of interest 292% per annum (fixed), total amount payable (in one repayment) £98.56. Representative 1281.8% APR. 247Moneybox
  • Cash paid into your bank account within 24 hours of acceptance
  • Existing customers can borrow up to £800
  • Simple, easy to understand interest rates and repayments
  • FCA regulated and committed to responsible lending
  • Loan Amount
    £3000 - £10000
  • Loan term
    24 - 60 Months
  • Interest
    20.33%
  • APR
    39.9%
36 Monthly Repayments, borrowing £4,000. Total Amount Payable: £6,439.68. 39.9% APR Representative. Rate of Interest 20.33%. Fixed Flat Rate. Monthly Repayment: £178.88. TFS Loans
  • Considers bad credit, CCJs, debt consolidation
  • Loan can be paid in hours if approved
  • Award winning trusted guarantor lender
  • Loan Amount
    £500 - £15000
  • Loan term
    12 - 60 Months
  • Interest
    Variable
  • APR
    49.7%
Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed). Talk Loans
  • Submit your application to multiple lenders
  • High chance of approval
  • Rates from 29% APR to 69.9% APR
  • Loan Amount
    £1000 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    33.3%
  • APR
    39.9%
Representative example: £4500 over 3 years, representative 38.9% APR fixed. Monthly payment £199.26. Annual interest rate 33.3% fixed. Interest payable £2673.36. Total repayable £7173.36. UKCredit
  • Credit available up to £10,000
  • Quick, convenient and confidential application
  • Outstanding customer service record
  • Flexible, multi purpose loans which aren't secured against your property
  • Loan Amount
    £1000 - £20000
  • Loan term
    24 - 60 Months
  • Interest
    20.33%
  • APR
    20.33%
Loan amount £7,500, 60 monthly repayments £200.08 Representative APR 20.33% fixed, loan term 60 months an annual interest rate of 20.33% Total cost of credit £4505.00, total amount repayable £12005.00 Car Loan Finder
  • Loan Amount
    £1000 - £50000
  • Loan term
    12 - 60 Months
  • Interest
    10.87%
  • APR
    21.8%
Average credit score: Loan amount £5000 – 48 monthly payments £149.46 – Total cost of credit £2174.08 – total amount payable £7174.08 – representative example 21.8% APR. This is a yearly flat rate of interest of 10.87%. This is a fixed rate. WhatCredit
  • Low Rate Car Finance Packages
  • Choose The Car From Any UK Dealer
  • Finance For Good & Bad Credit Profiles
  • Same Day Drive Away Car Loan Schemes
  • Flexible Repayment Terms For Your Car Loan
  • Loan Amount
    £1000 - £20000
  • Loan term
    24 - 60 Months
  • Interest
    33.6%
  • APR
    33.6%
Borrowing £1000 over 24 months with a best available rate of 33.6% (fixed) and £0.00 deposit, amount payable is £56.21 per month. The total amount payable is £1349.04*. Car Loans Compare
  • Loan Amount
    £500 - £25000
  • Loan term
    12 - 48 Months
  • Interest
    13%
  • APR
    27.4%
Amount of credit £7500 repayable by 47 monthly repayments of £244.79 at a fixed annual interest rate of 13%, Representative APR 27.4%. Total cost of credit £3899.92. Total amount repayable £11899.92. Get Me Car Finance
  • Loan Amount
    £500 - £5000
  • Loan term
    3 - 36 Months
  • Interest
    65%
  • APR
    171.9%
Amount of credit £1000 repayable by 12 monthly repayments of £137.50 at a fixed annual interest rate of 65%, Representative APR 171.9%. Total cost of credit £650. Total amount repayable £1650. MotorKitty
  • Same day payout available to borrowers
  • Bad credit and CCJs considered
  • The lowest average rates in the UK (Mar 2018)
  • Loans available up to £5,000
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    36.9%
  • APR
    43.8%
Borrowing £4,000 over 3 years at an interest rate of 36.9%p.a. (fixed), you will repay 36 monthly payments of £185.27. Interest payable £2,669.72. Total repayable £6,669.72. Representative 43.8% APR. TrustTwo
  • Guarantors who are homeowners, tenants or living with parents are considered
  • Funds can be issued within 24 hours of acceptance
  • Improve your credit score by making timely repayments
  • No fees are charged at any point. Ever.
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    47.8%
  • APR
    47.8%
Representative Example: £3000 over 3 years, representative 47.8% APR Fixed. Monthly payment £143.84. Annual interest rate 39.7%. Interest payable £2178.24. Total payable £5178.24. 1Plus1 Loans
  • Fantastic loan guarantor product to help those with poor credit
  • Loans are flexible and can be used for any purpose
  • Great for parents who want to help children build their credit score
  • Online customer service team that operates 24 hours per day
  • Loan Amount
    £400 - £50000
  • Loan term
    12 - 36 Months
  • Interest
    132%
  • APR
    450.5%
If you borrow £850 over 18 months at a flat rate of 132% per annum (fixed) with a representative 450.5% APR you will repay 17 monthly payments of £140.72 and 1 payment of £140.76, repaying £2,533.00 in total. Loans2Go Logbook Loans
  • Use your vehicle as collateral to increase the chance of acceptance
  • Generous and flexible loan terms of 12 – 36 months
  • Retain complete use of your vehicle during the loan
  • A lender with more than 15 years of industry experience
  • Loan Amount
    £250 - £1000
  • Loan term
    18 - 18 Months
  • Interest
    205.2%
  • APR
    989.9%
Representative example if you borrow £600 over 18 months at a flat rate of 205.2% per annum (fixed) with a representative 989.9% APR you will make 17 monthly payments of £135.93 and 1 payment of £135.99, repaying £2,446.80 in total. Simple Fast Loans
  • Repay your loan early and you'll pay less interest
  • Face to face consultations available throughout the UK
  • Receive funds in as little as one hour
  • Convenient repayments that can be made weekly, fortnightly or monthly
  • Loan Amount
    £250 - £1000
  • Loan term
    2 - 3 Months
  • Interest
    193.45%
  • APR
    397%
Representative Example: Borrow: £1000 for 12 weeks. Repayment method: Three installments. Interest rate: 193.45%. Total repayment of: £1448. Representative: 397% APR. The Money Platform
  • A revolutionary peer to peer lending platform
  • Borrow up to £1,000 over a term of up to 3 months
  • Receive funds on the same day that you're approved
  • Loan Amount
    £1000 - £25000
  • Loan term
    12 - 60 Months
  • Interest
    2.9%
  • APR
    3%
A loan of £10,000 over 5 years will cost you £179.25 per month at a representative 2.9% APR. The total cost after 5 years is £10,754, which includes £754.87 interest at 2.9% fixed and a £0 fee. The total amount of credit is £10,000. Zopa
  • Cut out the banks and building societies to get better loan rates
  • Borrow up to £25,000 (subject to status)
  • More than £2 million of loans approved every day
  • No early repayment charges or hidden fees
Other types of loans

There’s often a lot of confusion about the differences between direct lenders and brokers within the UK market, but the reality is that they work together to help match the right consumers with the right lenders.

Let’s take a look at what direct lenders actually are and how you can apply with direct lenders today through CreditRaters.com.

What Are Direct Lenders?

The actual businesses that issue funds to UK borrowers are known as direct lenders. These are the lenders that consumers deal with when it comes to signing credit agreements, receiving funds and making the agreed repayments.

Whenever you apply for a loan, the direct lender that you choose will be responsible for assessing your application. They’ll use their own eligibility criteria to determine whether to accept you or not which is a big plus for those who have perhaps been turned down elsewhere or wish to use other lenders than they have done in the past.

Direct lenders exist in every facet of the lending industry, including:

How Do Brokers Work With Direct Lenders?

Finance brokers such as CreditRaters.com work hand in hand with direct lenders to help customers quickly find the perfect loans for their needs. With hundreds of direct lenders now operating in the UK, assessing the costs and merits of each one individually would not only take weeks but could then still result in an unsuccessful application.

At CreditRaters.com, we use the information you give us to match you with the most suitable lenders at the most competitive rates. We source our indicative quotes directly from our panel of lenders ensuring that you’ll always have access to the most up to date interest rates, fees and repayment terms possible.

How Can I Apply For Loans With Direct Lenders?

Although you’re of course more than welcome to do your own research when it comes to which direct lender to choose, it’s now become commonplace for borrowers to use online comparison services to save significant amounts of time, hassle and money instead.

It all starts by getting an up to date comparison with a brokerage such as CreditRaters.com. We’ll take the information you provide us with and use our years of experience to match your initial application with lenders who can help.

Once you’ve assessed the advantages of each lender from your tailored list, simply select a provider and complete the final steps of your application for an instant online decision. If you’re happy with the final terms offered then all that’s left is to complete your credit agreement online and return it to the direct lender.

Keep a copy of this credit agreement as it will list in detail exactly how much you’ve borrowed, how much you’ll repay and when your monthly repayments are due. It’s a valuable resource for keeping on top of your debt payments.

They’ll aim to issue funds within 24 hours of your successful application whilst many are now also able to make transfers on the very same day that you apply.

To get started, register for a free, no obligation quotation with CreditRaters.com today and discover a world of lenders ready to say yes.