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The cost of borrowing £300 over 6 months:

#1
Fast Loan UK £507.48
#2
Mr Lender £544.00
#3
Cashasap £556.23
#4
Lending Stream £579.00
#5
Money Platform £586.26
#6
Savvy £595.00
#7
QuidMarket £596.46
#8
Cash4unow £599.82
#9
Fernovo £595.92
#10
Ticket Loan £595.92
#11
Loan Pig £595.92
#12
Moneybag £600.00

Proud to offer the cheapest instant short term loans in the UK

Compare our loans to other lenders here

Warning: Late repayment can cause serious money problems. For help, go to moneyhelper.org.uk

Representative example:

Borrow: £300 over 8 months. 8 repayments of £70.31. Total amount payable £562.44. Interest rate: 130.21% pa (fixed). Representative APR: 840.75%

Direct Lender Loans

Sometimes bills catch you off guard and you haven't got enough cash to cover them. But you don't have to suffer alone; direct lender loans are on hand to help you pay for urgent expenses. You could use loans for everything from car repairs to getting a fancy new boiler.

We can offer you lots of different types of short term loans. Let’s take a look at the benefits of a direct lender in the UK and learn how you can apply loans from a direct lender and get accepted.

What are Direct Loan Lenders?

As direct loan lenders, Fast Loans UK can offer lots of different loans directly to our customers.

Direct loan lenders:

  • Don’t work with third parties
  • Use the information from your online application to assess whether a loan is the right option for you and how much you can afford to borrow
  • Have a process that’s much faster than that of traditional bank loans or loan brokers
  • Can assess applications and potentially offer you a loan within an hour

Loan brokers:

  • Have a slower process
  • Compare loans and offer different options to customers
  • Don’t lend directly to customers
  • May charge a fee for their service

Our loans direct lender process is fast and straightforward. We use our online application form to find out more information about your personal and financial circumstances to establish whether a loan is right for you.

Are Direct Lenders Recommended?

You need to keep an eye out for companies that are registered with the Financial Conduct Authority (FCA). Fast Loans UK is FCA-approved and entered on the Financial Services Register.

Fast Loans UK makes the process as easy as possible. We’re proud of our transparency and are honest about everything. We're upfront when it comes to everything from interest rates and loan terms to repayment schedules and early repayment fees.

We also have a quick application and approval process. There’s no middleman involved in the direct loans’ lender process, which means we can swiftly assess and potentially approve your application in less than an hour.

Am I Eligible for a Direct Lender Loan?

Check you meet the following criteria before applying for a loan from Fast Loans UK:

  • Be 18 years or older
  • Be a resident of the UK
  • Be either full-time or part-time employed
  • Have a regular income
  • Have a UK bank account and debit card

You don’t need to have a perfect credit score to be approved for a loan. We accept applications from people with all credit types.

Direct Lender Loans FAQs

What are the benefits of borrowing from a direct lender?

Our easy loans have so many benefits. We are transparent when it comes to loan terms, fees, and repayments. As there’s no third-party involved, we also have a fast application process which could see you approved for a loan within 1 hour. As you’re only dealing with one company, you’ve also got less Ts&Cs to contend with and complete consistency when dealing with your loan.

Are direct lender loans safe?

Yes, just check that they are FCA regulated. Fast Loans UK is an FCA registered and regulated direct lender in the UK. We can offer you various different types of loans including emergency loans and payday loans.

Can I get a direct lender loan with bad credit?

We consider applications from people with all credit types. You could get approved for low credit score loans even if you have a poor credit history or score.

What is the difference between a direct lender and a loan broker?

While a direct lender can offer funds directly to a borrower, a loan broker acts as a go-between for the borrower and the lender. They usually charge a fee and compare various lenders to find the best loan offer for the borrower.

What happens if I can’t repay my loan on time?

As soon as you think you may not be able to make a repayment, you need to contact your Customer Care manager. They can potentially offer you a new, temporary repayment date or amount. It’s important to remember that missing a repayment could cost you additional fees and could affect your credit score.

Do direct lenders check credit?

Yes. We’ll conduct a soft credit check when you first apply for the loan. After we have processed your application and you have been pre-approved, we’ll do a hard credit check. While a soft credit check won’t leave a mark on your credit history, a hard credit check will and could affect your credit score. Hard credit checks are visible to other lenders. If you’ve applied for multiple loans in a short space of time, it could affect your credit score.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
Don’t Go Just Yet!
Proud to offer the cheapest instant short term loans in the UK

The cost of borrowing £300 over 6 months:

#1
Fast Loan UK £507.48
#2
Mr Lender £544.00
#3
Cashasap £556.23
#4
Lending Stream £579.00
#5
Money Platform £586.26
#6
Savvy £595.00
#7
QuidMarket £596.46
#8
Cash4unow £599.82
#9
Fernovo £595.92
#10
Ticket Loan £595.92
#11
Loan Pig £595.92
#12
Moneybag £600.00
Apply Now!