Direct Lenders | Loans Direct Lender UK @CreditRaters.com
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  • Loan Amount
    £ - £
  • Loan term
    - Months
  • Interest
  • APR
Loan MR
  • Loan Amount
    £100 - £5000
  • Loan term
    1 - 24 Months
  • Interest
    49.9%
  • APR
    49.9%
Representative example: £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 (variable). CreditSpring – £250
  • Borrow £250 twice a year, available on demand
  • Membership fee is £6 per month (£72 a year)
  • Repay each advance in 4 monthly payments
  • 0% interest rate, you pay back only what you’ve borrowed, plus your monthly membership fee
  • 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
    £3000 - £50000
  • Loan term
    12 - 60 Months
  • Interest
    10.87%
  • APR
    21.8%
GOOD CREDIT SCORE: Loan amount £5000 – 48 monthly payments £129.17 Total cost of credit £1200.16 – Total amount payable £6200.16 – Representative example 12.9% APR. This is a yearly flat rate of interest of 6%. This is a fixed rate.
What Credit
  • 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 - £15000
  • Loan term
    48 - 60 Months
  • Interest
    20.33%
  • APR
    39.9%
Representative Example: 36 Monthly Repayments, borrowing £5,000. Total Amount Payable: £8,049.60. 39.9% APR Representative. Rate of Interest 20.33%, Fixed Flat Rate. Monthly Repayment: £223.60. TFS Loans
  • Considers bad credit, CCJs, debt consolidation
  • Loan can be paid in hours if approved
  • Award winning trusted guarantor lender
  • Loan Amount
    £500 - £10000
  • Loan term
    12 - 60 Months
  • Interest
    24.20%
  • APR
    47.8%
Representative Example £3000 over 3 years, representative 47.8% APR Fixed. Monthly payment £143.84. Annual interest rate 24.2% Fixed. 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
    £550 - £50000
  • Loan term
    12 - 36 Months
  • Interest
    159.70%
  • 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
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.

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