First Direct loan calculator

Our First Direct loan calculator will help you work out how much you'll pay back on a First Direct personal loan.

First Direct loan calculator Compare with other lenders

Calculate the cost of a First Direct loan

1 - 1 of 1

Name	Product	Total Payable	Monthly Repayment	Representative APR	Link
first direct Existing Customer Personal Loan					View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.4% p.a. (fixed). Representative APR 5.4% and total payable £10,833.12 in monthly repayments of £300.92.	Compare	loading Fetching your data...

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

Late repayments can cause you serious money problems. See our debt help guides.

How do First Direct loans compare against the competition?

Table: sorted by representative APR, promoted deals first

Before you take out a personal loan, it’s smart to read up and shop around. You can use the table below to see how much you’d be likely to pay for the loan you have in mind.

1 - 12 of 12

Name	Link
Lloyds Bank Existing Customer Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.9% p.a. (fixed). Representative APR 5.9% and total payable £10,910.52 in monthly repayments of £303.07.	Compare	loading Fetching your data...
Tesco Bank Clubcard Personal Loan Finder Award	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 4.9% p.a. (fixed). Representative APR 4.9% and total payable £10,756.08 in monthly repayments of £298.78.	Compare	loading Fetching your data...
Vanquis Bank Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 22.3% p.a. (fixed). Representative APR 22.3% and total payable £13,433.76 in monthly repayments of £373.16.	Compare	loading Fetching your data...
Novuna Personal Loan	Check eligibility View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 6.4% p.a. (fixed). Representative APR 6.4% and total payable £10,987.56 in monthly repayments of £305.21.	Compare	loading Fetching your data...
Fluro (formerly Lending Works) Personal Loan	Check eligibility View details	Representative Example: Assumed borrowing of £7,500.00 over 48 months at 16.9% APR representative. Monthly cost of £211.47. Total amount repayable of £10,150.38. Interest rate of 15.7% p.a.(fixed) and total fees of £150.00. Available for loan amounts between £5,000 - £25,000.	Compare	loading Fetching your data...
Zopa Personal Loan	View details	Representative example: Borrow £1,500.00 over 3 years at a rate of 19.9% p.a. (fixed). Representative APR 19.9% and total payable £1,959.84 in monthly repayments of £54.44.	Compare	loading Fetching your data...
Tesco Bank Personal Loan Finder Award	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.3% p.a. (fixed). Representative APR 5.3% and total payable £10,817.64 in monthly repayments of £300.49.	Compare	loading Fetching your data...
Barclays Bank Existing Current Account Customer Barclayloan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 8.9% p.a. (fixed). Representative APR 8.9% and total payable £11,373.48 in monthly repayments of £315.93.	Compare	loading Fetching your data...
first direct Existing Customer Personal Loan	View details	Representative example: Borrow £10,000.00 over 3 years at a rate of 5.4% p.a. (fixed). Representative APR 5.4% and total payable £10,833.12 in monthly repayments of £300.92.	Compare	loading Fetching your data...
Lendwise	View details	Compare	loading Fetching your data...
Plend personal loan	View details	Compare	loading Fetching your data...
My Community Bank Personal Loan	Check eligibility View details	Representative example: Borrow £6,000.00 over 4 years at a rate of 18.85% p.a. (fixed). Representative APR 18.85% and total payable £8,335.00 in monthly repayments of £173.64.	Compare	loading Fetching your data...

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.

What is First Direct?

A part of HSBC Plc, First Direct offers competitive fixed-rate loans to existing customers online and over the phone.

Our calculator lets you pick how much you want to borrow, over a timeframe that suits you, to estimate how much you would pay back each month and overall. We base our calculations on First Direct’s representative APR, but it’s important to note that credit is subject to status and your circumstances may affect the rate you’re offered.

First Direct loan rates and fees

First Direct Personal Loan:
5.4% p.a. fixed interest rate with no fee, on loans of £10,000 over 3 years. Apply to borrow up to £50,000.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Thank you for your feedback!

Chris Lilly

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Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

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