Top direct lenders in the UK

A list of popular direct lenders providing personal loans to UK borrowers.

Direct personal loan lenders Personal loans
Direct payday/short-term loan lenders Short-term loans

Warning: Late repayment can cause you serious money problems. For help, go to

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

We compare loans from

Drafty Line of Credit
QuidMarket Short Term Loan
The Money Platform Short Term Loan
Moneyboat Short Term Loan
Lending Stream Instalment Loan

What is a direct lender?

A direct lender is a lender who lends their own money and cuts out the middle person. This means a direct lender can instantly make all of their loan decisions, so applying for a loan can be quicker.

Click on a lender to learn more about the services it provides.

Direct personal loan lenders

A list of direct lenders known for their personal loans.

Direct payday/short-term loan lenders

A list of direct lenders known for their payday/short-term loans.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has recently joined the Investments team. She has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media. See full bio

Emily's expertise
Emily has written 133 Finder guides across topics including:
  • Loans & credit cards
  • Building credit

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