{"id":449050,"date":"2022-05-03T17:18:30","date_gmt":"2022-05-03T16:18:30","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=449050"},"modified":"2026-01-28T13:00:12","modified_gmt":"2026-01-28T13:00:12","slug":"direct-lenders","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders","title":{"rendered":"Top direct lenders in the UK"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center has-padding-small\"><p class=\"has-margin-bottom-xxsmall\"><strong>Warning:<\/strong> Late repayment can cause you serious money problems. For help, go to <a href=\"https:\/\/www.moneyhelper.org.uk\/en\" rel=\"follow noopener\" target=\"_blank\" class=\"fin-text-navy\">moneyhelper.org.uk<\/a>.<\/p><p><strong>Please note:<\/strong> High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.<\/p><\/div><\/article><h4 id=\"wecompare\" class=\"text-center no-margin-bottom\" style=\"margin-top: 2em;\"> We compare loans from <\/h4>\r\n<div class=\"text-center\"><div class=\"has-padding-bottom-large\" style=\"margin:auto\"><div style=\"width: 12%; min-width: 111px; display:inline-block;\"><div class=\"has-padding-top-large has-padding-right-medium has-padding-left-medium\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/drafty-line-of-credit-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.WECOMPARE%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22449050%22%2C%22post_path%22%3A%22personal-loans%252Fdirect-lenders%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png\" alt=\"Drafty Line of Credit\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5bb27bc7ef99e.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/div><\/div><div style=\"width: 12%; min-width: 111px; display:inline-block;\"><div class=\"has-padding-top-large has-padding-right-medium has-padding-left-medium\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/quidmarket-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.WECOMPARE%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22449050%22%2C%22post_path%22%3A%22personal-loans%252Fdirect-lenders%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5bca25a20f028.png\" alt=\"QuidMarket Short Term Loan\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5bca25a20f028.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5bca25a20f028.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5bca25a20f028.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5bca25a20f028.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5bca25a20f028.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/div><\/div><div style=\"width: 12%; min-width: 111px; display:inline-block;\"><div class=\"has-padding-top-large has-padding-right-medium has-padding-left-medium\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/moneyboat-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.WECOMPARE%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22449050%22%2C%22post_path%22%3A%22personal-loans%252Fdirect-lenders%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6213b964827e5.png\" alt=\"Moneyboat Short Term Loan\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6213b964827e5.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6213b964827e5.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6213b964827e5.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6213b964827e5.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6213b964827e5.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/div><\/div><div style=\"width: 12%; min-width: 111px; display:inline-block;\"><div class=\"has-padding-top-large has-padding-right-medium has-padding-left-medium\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/eligibility-themoneyplatform-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.WECOMPARE%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22449050%22%2C%22post_path%22%3A%22personal-loans%252Fdirect-lenders%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5b3221db049ef.png\" alt=\"The Money Platform Short Term Loan\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5b3221db049ef.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5b3221db049ef.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5b3221db049ef.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5b3221db049ef.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5b3221db049ef.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/div><\/div><div style=\"width: 12%; min-width: 111px; display:inline-block;\"><div class=\"has-padding-top-large has-padding-right-medium has-padding-left-medium\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/short-term-loans\/lendingstream-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-niche%22%2C%22decorator%22%3A%22UKFSL.NICHE.WECOMPARE%22%2C%22code%22%3A%22UKFSL%22%2C%22post_id%22%3A%22449050%22%2C%22post_path%22%3A%22personal-loans%252Fdirect-lenders%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"new\" rel=\"nofollow\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png\" alt=\"Lending Stream Instalment Loan\" srcset=\"https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/5ce7f66861eda.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><\/div><\/div><\/div><\/div><h3>What is a direct lender?<\/h3><p>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.<\/p><p>Click on a lender to learn more about the services it provides.<\/p><h4 id=\"personal\">Direct personal loan lenders<\/h4><p>A list of direct lenders known for their personal loans.<\/p><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"##\"> # <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#A\"> A <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#B\"> B <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#C\"> C <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#D\"> D <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#E\"> E <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#F\"> F <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   G\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#H\"> H <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   I\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#M\"> M <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#N\"> N <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   O\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   P\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#R\"> R <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#S\"> S <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#T\"> T <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#U\"> U <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#V\"> V <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"#\" class=\"az-listing__header\">\n                #\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/118-118-money\"> 118 118 Money <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"A\" class=\"az-listing__header\">\n                A\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/fintern\"> Abound <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/admiral-personal-loans\"> Admiral <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/aib-personal-loans\"> AIB <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"B\" class=\"az-listing__header\">\n                B\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bamboo\"> Bamboo <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/bank-of-scotland-personal-loans\"> Bank of Scotland <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/barclays-personal-loans\"> Barclays <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"C\" class=\"az-listing__header\">\n                C\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/creation\"> Creation <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"D\" class=\"az-listing__header\">\n                D\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/danskebank\"> Danske Bank <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"E\" class=\"az-listing__header\">\n                E\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/equifinance\"> Equifinance <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/everyday-loans\"> Everyday Loans <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"F\" class=\"az-listing__header\">\n                F\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/finio\"> Finio loans <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/first-direct-personal-loans\"> First Direct <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"H\" class=\"az-listing__header\">\n                H\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/halifax-personal-loans\"> Halifax <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/hsbc-loans\"> HSBC <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/lloyds-personal-loans\"> Lloyds Bank <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"M\" class=\"az-listing__header\">\n                M\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/marks-and-spencer-personal-loans\"> Marks &amp; Spencer Bank <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/monzo\"> Monzo <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"N\" class=\"az-listing__header\">\n                N\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/nationwide-loans\"> Nationwide <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/natwest-personal-loans\"> NatWest <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/novuna-personal-finance\"> Novuna Personal Finance <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"R\" class=\"az-listing__header\">\n                R\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/rbs-personal-loans\"> RBS <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"S\" class=\"az-listing__header\">\n                S\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/sainsburys\"> Sainsbury's Bank <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/salad\"> Salad <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/santander-loans\"> Santander <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/savvy\"> Savvy.co.uk <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"T\" class=\"az-listing__header\">\n                T\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/tesco\"> Tesco Bank <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/together-secured-loans\"> Together <\/a>\n                <\/li>\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/tsb-personal-loans\"> TSB <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"U\" class=\"az-listing__header\">\n                U\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/ulster-bank-personal-loans\"> Ulster Bank <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"V\" class=\"az-listing__header\">\n                V\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/personal-loans\/virgin-money-personal-loans\"> Virgin Money <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<h4 id=\"payday\">Direct payday\/short-term loan lenders<\/h4><p>A list of direct lenders known for their payday\/short-term loans.<\/p><div class=\"az-listing js-az-listing\">\n    <div class=\"hide-mobile\">\n        <div class=\"az-listing__nav\">\n                    <div class=\"az-listing__nav-letter\">\n                                   #\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   A\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   B\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   C\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#D\"> D <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   E\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#F\"> F <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   G\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   H\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   I\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   J\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   K\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#L\"> L <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#M\"> M <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   N\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   O\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   <a class=\"az-listing__nav-letter--active\" href=\"#P\"> P <\/a>\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Q\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   R\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   S\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   T\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   U\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   V\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   W\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   X\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Y\n                            <\/div>\n                    <div class=\"az-listing__nav-letter\">\n                                   Z\n                            <\/div>\n                <\/div>\n        <hr>\n    <\/div>\n        <div class=\"az-listing__items\">\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"D\" class=\"az-listing__header\">\n                D\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/drafty\"> Drafty <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"F\" class=\"az-listing__header\">\n                F\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/fernovo\"> Fernovo <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"L\" class=\"az-listing__header\">\n                L\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/lending-stream\"> Lending Stream <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"M\" class=\"az-listing__header\">\n                M\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/moneyboat\"> Moneyboat <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n                <div class=\"az-listing__group az-listing__group--vertical\">\n            <div id=\"P\" class=\"az-listing__header\">\n                P\n            <\/div>\n            <ul class=\"az-listing__list\">\n                                <li class=\"az-listing__item\">\n                    <a href=\"https:\/\/www.finder.com\/uk\/payday-loans\/polar-credit\"> Polar Credit <\/a>\n                <\/li>\n                            <\/ul>\n        <\/div>\n            <\/div>\n        <\/div>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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 is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>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.<\/p>\n","protected":false},"author":1231,"featured_media":444506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2603],"tags":[2565],"asset_tag":[],"class_list":["post-449050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loans","tag-latest-3"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>List of direct lenders UK in our A-Z directory - Finder.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top direct lenders in the UK\" \/>\n<meta property=\"og:description\" content=\"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.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-03T16:18:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Emily Herring\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Emily Herring\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\"},\"author\":{\"name\":\"Emily Herring\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\"},\"headline\":\"Top direct lenders in the UK\",\"datePublished\":\"2022-05-03T16:18:30+00:00\",\"dateModified\":\"2023-08-24T10:26:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\"},\"wordCount\":214,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Financial Services Register \u2013 APFIN LTD listing\",\"url\":\"https:\/\/register.fca.org.uk\/s\/firm?id=001b000000kgUzRAAU\"},{\"@type\":\"CreativeWork\",\"name\":\"Open Banking Implementation Entity (OBIE) \u2013 Credit Kudos listing\",\"url\":\"https:\/\/www.openbanking.org.uk\/regulated-providers\/credit-kudos\/\"},{\"@type\":\"CreativeWork\",\"name\":\"Wayback Machine \u2013 Cashasap in 2014\",\"url\":\"https:\/\/web.archive.org\/web\/20141223001212\/https:\/\/cashasap.co.uk\/\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\",\"url\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\",\"name\":\"List of direct lenders UK in our A-Z directory - Finder.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png\",\"datePublished\":\"2022-05-03T16:18:30+00:00\",\"dateModified\":\"2023-08-24T10:26:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png\",\"width\":250,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Payday and Short Term Loans\",\"item\":\"https:\/\/www.finder.com\/uk\/payday-loans\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Polar Credit review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\",\"name\":\"Emily Herring\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\",\"caption\":\"Emily Herring\"},\"description\":\"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 &amp; Publishing and a Bachelor of Arts in Communication &amp; Media.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/emily-rose-herring\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/emilyherring\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\"},\"author\":{\"name\":\"Emily Herring\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\"},\"headline\":\"Top direct lenders in the UK\",\"datePublished\":\"2022-05-03T16:18:30+00:00\",\"dateModified\":\"2023-08-24T10:26:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders\"},\"wordCount\":214,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png\",\"articleSection\":[\"Personal Loans\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Financial Services Register \u2013 APFIN LTD listing\",\"url\":\"https:\/\/register.fca.org.uk\/s\/firm?id=001b000000kgUzRAAU\"},{\"@type\":\"CreativeWork\",\"name\":\"Open Banking Implementation Entity (OBIE) \u2013 Credit Kudos listing\",\"url\":\"https:\/\/www.openbanking.org.uk\/regulated-providers\/credit-kudos\/\"},{\"@type\":\"CreativeWork\",\"name\":\"Wayback Machine \u2013 Cashasap in 2014\",\"url\":\"https:\/\/web.archive.org\/web\/20141223001212\/https:\/\/cashasap.co.uk\/\"}],\"commentCount\":0},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543\",\"name\":\"Emily Herring\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png\",\"caption\":\"Emily Herring\"},\"description\":\"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 &amp; Publishing and a Bachelor of Arts in Communication &amp; Media.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/emily-rose-herring\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/emilyherring\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2023-08-24T10:26:29+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"List of direct lenders UK in our A-Z directory - Finder.com","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders","og_locale":"en_GB","og_type":"article","og_title":"Top direct lenders in the UK","og_description":"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.","og_url":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2022-05-03T16:18:30+00:00","og_image":[{"width":250,"height":250,"url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png","type":"image\/png"}],"author":"Emily Herring","twitter_card":"summary_large_image","twitter_creator":"@findercomUK","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Emily Herring","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders"},"author":{"name":"Emily Herring","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543"},"headline":"Top direct lenders in the UK","datePublished":"2022-05-03T16:18:30+00:00","dateModified":"2023-08-24T10:26:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders"},"wordCount":214,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png","articleSection":["Personal Loans"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"citation":[{"@type":"CreativeWork","name":"Financial Services Register \u2013 APFIN LTD listing","url":"https:\/\/register.fca.org.uk\/s\/firm?id=001b000000kgUzRAAU"},{"@type":"CreativeWork","name":"Open Banking Implementation Entity (OBIE) \u2013 Credit Kudos listing","url":"https:\/\/www.openbanking.org.uk\/regulated-providers\/credit-kudos\/"},{"@type":"CreativeWork","name":"Wayback Machine \u2013 Cashasap in 2014","url":"https:\/\/web.archive.org\/web\/20141223001212\/https:\/\/cashasap.co.uk\/"}],"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders","url":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders","name":"List of direct lenders UK in our A-Z directory - Finder.com","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage"},"image":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png","datePublished":"2022-05-03T16:18:30+00:00","dateModified":"2023-08-24T10:26:29+00:00","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png","width":250,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Payday and Short Term Loans","item":"https:\/\/www.finder.com\/uk\/payday-loans"},{"@type":"ListItem","position":3,"name":"Polar Credit review"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543","name":"Emily Herring","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png","caption":"Emily Herring"},"description":"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 &amp; Publishing and a Bachelor of Arts in Communication &amp; Media.","sameAs":["https:\/\/www.linkedin.com\/in\/emily-rose-herring\/"],"url":"https:\/\/www.finder.com\/uk\/author\/emilyherring","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders"},"author":{"name":"Emily Herring","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543"},"headline":"Top direct lenders in the UK","datePublished":"2022-05-03T16:18:30+00:00","dateModified":"2023-08-24T10:26:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders"},"wordCount":214,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"image":{"@id":"https:\/\/www.finder.com\/uk\/personal-loans\/direct-lenders#primaryimage"},"thumbnailUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2022\/03\/personal_loans_good_credit_250.png","articleSection":["Personal Loans"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"citation":[{"@type":"CreativeWork","name":"Financial Services Register \u2013 APFIN LTD listing","url":"https:\/\/register.fca.org.uk\/s\/firm?id=001b000000kgUzRAAU"},{"@type":"CreativeWork","name":"Open Banking Implementation Entity (OBIE) \u2013 Credit Kudos listing","url":"https:\/\/www.openbanking.org.uk\/regulated-providers\/credit-kudos\/"},{"@type":"CreativeWork","name":"Wayback Machine \u2013 Cashasap in 2014","url":"https:\/\/web.archive.org\/web\/20141223001212\/https:\/\/cashasap.co.uk\/"}],"commentCount":0},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/4124ff81f216102eb53594e1b4774543","name":"Emily Herring","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/EmilyHerringF1_Finder_600x600-1.png","caption":"Emily Herring"},"description":"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 &amp; Publishing and a Bachelor of Arts in Communication &amp; Media.","sameAs":["https:\/\/www.linkedin.com\/in\/emily-rose-herring\/"],"url":"https:\/\/www.finder.com\/uk\/author\/emilyherring","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2023-08-24T10:26:29+00:00"},"custom_fields":{"_masthead_variant":["{\"id\":\"beta-widget\",\"showFeaturedImage\":false,\"presetId\":\"cta-buttons\",\"shouldUsePrimaryCTAFieldName\":true,\"shouldUseSecondaryCTAFieldName\":true,\"primaryCTA\":{\"label\":\"Personal loans\",\"target\":\"#personal\",\"containerText\":\"Direct personal loan lenders\"},\"secondaryCTA\":{\"label\":\"Short-term loans\",\"target\":\"#payday\",\"containerText\":\"Direct payday\\\/short-term loan lenders\"},\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_wp_page_template":["default"],"_masthead_subheading":["{\"text\":\"A list of popular direct lenders providing personal loans to UK borrowers.\"}"],"_content_type":["navigation\/index-page\/a-to-z-page"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/449050"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/1231"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=449050"}],"version-history":[{"count":6,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/449050\/revisions"}],"predecessor-version":[{"id":571333,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/449050\/revisions\/571333"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media\/444506"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=449050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=449050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=449050"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=449050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}