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Representative 49.7% APR

Representative example: Borrowing: £1,200 Interest: 0.34% per day for up to 75 days (124% per annum, variable) Representative: 49.7% APR (variable)

Loans from direct lenders

Looking for a loan from a direct lender? Nowloan compares many direct lenders and can tell you the cheapest one most likely to say yes to you. We don’t charge any fees and we won’t pester you with marketing messages. Simply fill in our 2-minute quote form and find a lender with a decent rate that’ll accept you from our panel. Getting a quote won’t affect your credit score.

List of UK direct lenders

NameLoan amountLoan termRAPR %
Santander - Personal loan£1,000 - £1,9991-5 years13.5
AIB (NI) - Personal loan£1,000 - £2,9991-5 years12.3
Cahoot - Personal loan£1,000 - £2,9991-5 years13.5
Admiral - Personal loan£1,000 - £2,9991-5 years9.9
Tesco Bank - Personal loan£15,000 - £25,0001-3 years2.9
MBNA - Personal loan£15,001 - £25,0001-5 years2.8
Hitachi - Personal loan£2,500 - £2,9992-5 years13.4
Virgin Money - Personal loan£20,001 - £25,0001-7 years3.1
Virgin Money - Personal loan£25,001 - £35,0001-7 years6.9
Hitachi - Personal loan£3,000 - £4,9992-5 years8.4
Tesco Bank - Personal loan£3,000 - £4,9991-5 years8.5
Hastings Direct - Personal loan£3,000 - £4,9991-5 years8.7
AA - Personal loan£3,000 - £4,9991-5 years8.9
MBNA - Personal loan£3,000 - £4,9991-5 years8.9
Post Office - Personal loan£3,000 - £4,9991-5 years8.9
Tesco Bank - Personal loan£5,000 - £7,4991-3 years3.4
MBNA - Personal loan£5,000 - £7,4991-5 years3.5
Hitachi - Personal loan£5,000 - £7,4992-5 years3.5
John Lewis - Personal loan£5,000 - £7,4991-5 years3.6
M&S Bank - Personal loan£7,500 - £15,0001-7 years2.9
Tesco Bank - Personal loan£7,500 - £15,0001-5 years2.9
MBNA - Personal loan£7,500 - £15,0001-5 years2.9
Cahoot - Personal loan£7,500 - £20,0001-5 years2.8
TSB - Personal loan£7,500 - £25,0001-5 years2.8
Lending Works - Personal Loan£1,000 - £25,0001-7 years12.9
Virgin Money - Personal loan£5,000 - £7,4991-5 years3.4

Types of lenders we compare

You only have to fill in our quote form once and we’ll compare all of the types of lenders below for you, we’ll show you no-obligation quotes from each so that you can make a better decision on who to borrow from.

Personal loans

Personal loans from lenders on our panel usually range from £1,000 – £10,000 and can last up to 60 months.

Short term loans

A short term loan is typically repaid in less than a year. There are lenders on our panel who can provide loans up to £1,000 for 12 months or less.

Bad credit loans

There’s no such thing as a bad credit loan but rather a lender who has less stringent criteria for acceptance. This type of lender will usually charge more based on the increased risk of lending to someone with a poor credit history.

Guarantor Loans

A guarantor is sometimes seen as a last resort if they’ve exhausted other possibilities of getting a loan. this type of loan allows you to borrow money with a co-signer backing your loan and agreeing to take over repayment if you’re unable to.

When you use our service we can compare all of these types of lenders in one go and give you quotes from all of the ones that will likely approve your loan application. This means that in the time it usually takes to get a quote from one lender, you can compare several.

The quotes you’ll see are no obligation meaning you won’t have to go ahead with the loan just because you retrieve a quote. If you do decide to apply to one of the lenders, you can click to go ahead and we’ll forward you to their site with all your info pre-populated.

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