Personal loans from 6.9% APR representative
Borrow between £1,000 and £50,000 with fixed monthly payments and no early repayment penalties.
Explore your options
Adjust the amount to see what one of our loans might look like for you.
Representative example
Borrow £5,000 over 3 years at 6.9% APR representative:
£154.08 per month, total repayable £5,546.88.
Whatever your goal — a car, a renovation or a debt-free plan — a First Finance loan helps you get there.
Loan rates that fit your borrowing
The rate you receive is based on your credit score and the amount borrowed. We’ll always show your personalised rate before you commit.
| Loan Amount | Term | Monthly Payment | Total Repayable | APR Representative |
|---|---|---|---|---|
| £5,000 | 36 months | £154.08 | £5,546.88 | 6.9% |
| £10,000 | 48 months | £239.35 | £11,488.80 | 6.9% |
| £25,000 | 60 months | £493.20 | £29,592.00 | 7.4% |
| £50,000 | 72 months | £891.41 | £64,181.52 | 7.9% |
Loans designed differently
No Hidden Fees
No arrangement fees, no late-payment surprises — the rate we quote is the rate you get.
Overpay Anytime
Make overpayments or settle early with zero penalty and reduce the interest you pay.
One Plan, One Card
Everything lives in your First Finance app — track payments, view statements, and manage direct debits.
Four steps to your loan
Check Eligibility
A soft search that won’t affect your credit score.
Choose Your Terms
Pick amount and repayment term that suit your budget.
Instant Decision
Most customers get an immediate, guaranteed rate.
Receive The Money
Funds land in your account the very same day.