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Are you counting the days until payday? Emergency auto repairs, unexpected bills, and other unplanned expenses can wreak havoc on your finances. There is no need to live with financial stress - a personal loan may be a helpful solution for short-term cash flow problems. A personal loan will provide you with cash now, so you can set your worries aside.

Qualifying for A Short Term Loan is Simple

In most cases the lenders in our network require you to have a job, possess a bank account, be a U.S. citizen or resident at least 18 years of age, and earn a certain amount of money each month. Our lenders understand that everyone makes mistakes and encounters rough times.

What Are You Waiting For?

Our website prides itself for quickly connecting you with a lender. When using our service, you will fill out a short form and then be connected with one of our 100+ partnered lenders. After you submit your information, you may be redirected to the lender's website to review the terms of the loan, and if accepted, the funds will be deposited into your bank account!

What is Our Service?

Our service is to connect you with a lender. Our service is completely FREE to you! We are here to connect you with one of 100+ partnered lenders. Each lender that we work with has their own terms, and we highly recommend carefully reading your loan contract before making a commitment.

A Short Term Loan Will Give You the Cash You Need

Short Term lenders specialize in servicing loans. Each of the lenders in our network is an independent company that sets their own lending guidelines, but generally the amount they will borrow you depends on factors such as your income and employment history.

Do I Need to Fax Documents as part of the Process?

In most cases "NO". However, if information you provided is inconclusive or seems false, lenders may ask you to fax additional documentation.

If you have further questions, we invite you to contact us at anytime.

Consumer Notice: Personal loans are not a long term financial solution. Borrowers facing debt and credit difficulties should seek professional financial advice. Borrowers are encouraged to review local laws and regulations governing personal loans.

Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time without notice. All actions taken on this site, or legal concerns addressing this site, are deemed to have taken place in Nevada, regardless of the location from where you access this site.

Disclaimer: This website does not constitute an offer or solicitation to lend. The operator of this website is not a lender and does not make credit decisions. Rather, we provide a marketplace service where we connect you with lenders in our network. We cannot and do not control the actions or omissions of lenders in our network. We are not an agent, representative or loan broker to any lender and we do not endorse any particular lender. Our marketplace service is always free to you. If you are ever asked to pay a deposit or advanced payment in order to get a loan, you should not proceed.

You are under no obligation to use our marketplace service to initial contact with or apply for a loan with any lender.

Subject to our Privacy Policy (which you should carefully read and understand), we will transfer your information to lenders in our program and to other service providers and marketing companies we do business with. We do not guarantee that you will be connected with a lender or obtain favorable rates or be approved for a loan by completing a form on our site.

Participating lenders may verify your social security number, driver's license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information.

Not all lenders can provide you with a loan. If you are approved, you will receive funds according to the lender's funding practices which vary from lender to lender. Repayment terms also vary from lender to lender and may be affected by state law. If you have questions about the loan terms offered to you, or about a loan that has funded, please contact the lender directly. We are not a lender and cannot give you loan-specific information.

You will not be charged a fee for using our service. Loan-related fees are controlled by the lender and will be disclosed to you before you accept the loan. If you do not want to incur loan-related fees or you are unable to repay your loan, do not accept the loan.

Please read this information carefully and print a copy and/or retain this information electronically for future reference.

CONSENT TO TRANSACT BUSINESS AND COMMUNICATE ELECTRONICALLY. You consent to transact business with FinWise, its successors and assigns as well as OppLoans and any other servicing company OppLoans and its affiliates through electronic communications in order for us to process and service your loan transaction. The following terms and conditions govern electronic communications in connection with your application, Note and any communications regarding your business with us (the “Consent”). By consenting, you agree that we may provide electronically any and all disclosures, documents and communications regarding our transaction(s) with you including our Privacy Policy (“Disclosures”).

By electronically signing this Note below, you are confirming that you have agreed to the terms and conditions of the Consent.

Paper Copies of Disclosures. When you apply for and obtain a loan from FinWise through the OppLoans website , you agree to receive information and disclosures regarding your loan electronically. You agree that you are able to view and/or electronically store the information presented at this website. You also agree you can print out, download or otherwise store the Disclosures to keep for your records. If you consent to the electronic delivery of Disclosures, you may also receive a paper copy of any Disclosure provided to you electronically by writing to OppLoans at 130 E Randolph St, Suite 3400, Chicago, IL 60601 or emailing [email protected] There is no fee for the paper copy.

Withdrawing Consent to Electronic Delivery. You may withdraw your consent by sending us your request in writing to: OppLoans at 130 E Randolph St, Suite 3400, Chicago, IL 60601 or emailing [email protected] If you decide to withdraw your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected, and there will be no effect on your loan.

Hardware and Software Requirements. You must use a computer processor (CPU), mobile device, monitor, modem with ISP access to the internet or direct-dial up accessibility and a printer capable of printing text screens or hard drive capable of storing data. In addition, you must use Internet browser software that supports 128-bit encryption. If you want to review additional information on the requirements for using this software and associated hardware requirements, go to

Email Requirements. Because we may deliver Disclosures to you or otherwise communicate with you using e-mail, you must be able to send e-mail and receive e-mail that contains hyperlinks to websites. If you provide us with an email address in your application, you may notify us of changes in such address by writing to OppLoans at 130 E Randolph St, Suite 3400, Chicago, IL 60601 or sending an email to [email protected]

Consent to Receive Calls & SMS Text Messages

Receipt of cellular phone calls (including text messages) may be subject to service provider charges. Message and Data Rates May Apply. If you listed a cell phone number in your application or provide an updated cell phone number, then you authorize Opportunity Financial, LLC (“OppLoans”) , individually, and on behalf of FinWise Bank, and our affiliates, agents, assigns and service providers to call (including sending SMS text messages) using automatic telephone dialing systems, automatic texting systems and artificial or prerecorded messages to your cell phone number to provide account information and services regarding your FinWise Bank OppLoans credit product. OppLoans , individually and on behalf of FinWise Bank, may contact you regarding your account including to assist you with completion of your application, notify you of transaction approval, provide payment reminders, marketing, and conduct collection efforts. You agree to notify OppLoans immediately if you change your number or transfer your phone to another person. You understand text messages may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. If you do not want to receive calls and/or SMS text messages, you can unsubscribe by sending an email to [email protected] or by calling a customer service representative at (855) 408-5000 specifying your preference. To stop text messages, you can also simply reply “STOP” to any text message we may send you.

By continuing with the application process, you understand and agree that you are authorizing FinWise Bank, member FDIC, and OppLoans to each obtain consumer reports and related information about you from one or more consumer reporting agencies, such as Clarity, Decision Logic, and MicroBilt.

You also authorize FinWise Bank and OppLoans to verify information in your application for credit, and you agree that FinWise Bank and/or OppLoans may contact third parties to verify any such information. You direct FinWise Bank and/or OppLoans to use your consumer reports to authenticate your identity, to make credit decisions, and for other related purposes.

You expressly authorize FinWise Bank and/or OppLoans to obtain consumer reports from consumer reporting agencies about you when you apply for credit and periodically throughout the term of your credit product, including in the month following the month when you pay off or otherwise satisfy the terms of your credit product. You expressly authorize FinWise Bank and/or OppLoans to use the information that we obtain from such reports to, among other things, market refinancings and other products to you, make decisions related to the servicing and collection of your account, measure how the credit product you obtained from FinWise Bank through OppLoans impacts your credit, perform other statistical analysis, and share information with you about your credit profile.

You also authorize FinWise Bank and/or OppLoans to use obtained consumer reports to determine your eligibility for any other products that they may offer or that you may apply for within 30 days after your initial application date and initial consumer report pull.

How to Apply for Personal Loans

A personal loan can be a great way to build credit or as a short-term solution to a specific financial need. A bank, credit union, or other lending institution will provide you the funds you need in return for the promise to pay back the money over a fixed period of time at a given interest rate. The specifics of how to apply for personal loans may vary from lender to lender, but the basics are the same.

Determining Your Budget, Credit, and Needs Edit

Because no-one likes hanging around, applying for a first direct Personal Loan is fast, easy and remarkably pain-free.

Planning a holiday? Fancy a new car? Want to build your own robot dog? You can borrow between £1,000 and £50,000.

  • quick decision in minutes if you're applying on your own*
  • immediate access to your money if approved online
  • Personal Loans available from £1,000 to £50,000
  • fixed monthly repayments between 1 and 7 years, so you know where you stand
  • flexibility to overpay, which may reduce the amount of interest you pay.

If you borrow £16,000, over 60 monthly repayments of £289.57, at an interest rate of 3.3% p.a (fixed), with a representative 3.3% APR, the total amount you'll repay is £17,373.91.

You can borrow between £1,000 and £50,000 in £50 increments. For amounts £30,050 and above please contact us on 03 456 100 155 (available 8am - 11pm Mon to Thurs and 8am - 10pm Fri - Sun) to discuss your needs.

Because we only lend responsibly, we'll work with you to make sure you can afford your borrowing over the whole term of the loan. If you can see any changes in your circumstances coming up that could increase your outgoings or reduce your disposable income, please give us a call on 03 456 100 199**.

Changes you should think about include:

  • your employment situation - will you retire or take maternity, paternity or extended leave during the term?
  • any reduction in working hours - are fixed contract end dates approaching? Do you have a zero hour contract?
  • increases in your living costs, rent or mortgage repayments.

Please note - it's important that the information you give us is accurate as it may affect our lending decision.

What will my monthly repayments be?

Your repayments depend on how much you want to borrow, how long for and your personal circumstances, but you can use the online loan calculator above to get a rough idea.

How long can I take a loan out for?

The minimum term for our loans is 12 months and the maximum term is 84 months. You can choose any term in between, in 6 month increments.

It depends - have a play with the loan calculator and you'll see that the rate you receive depends on the amount you want to borrow, and we'll also take into account your individual financial circumstances. We start charging interest from the day the money is available in your account. The maximum APR you could be offered is 21.9% APR.

For more information about our interest rates, have a look at our Loan rates page.

How long will it take for you to make a decision?

If you apply online, it takes about three minutes to complete the application form, you hit submit and, if you're accepted, the money is transferred to your account immediately. In about the time it takes to boil an egg, you could be approved and could access the loan money.

If you apply by phone, we still make an instant decision, but it will take longer to access the money if you're accepted as you'll need to return some signed documents - see below, 'How quickly will I get the money?'

Sometimes we'll need more information from you before we can agree to the loan. If this is the case, when you apply online you'll see a prompt asking you to call us. How long it takes to make the decision then depends on how quickly you get the information to us.

How quickly will I get the money?

If you apply online and it's also approved online, your loan will be transferred into your first direct 1st Account immediately, so you can put your plans into action straight away. If you apply for your loan over the phone and it's approved, it takes a little longer. We'll post a loan agreement form for you to sign and send back to us. As soon as we receive this signed form, we'll transfer the money into your 1st Account.

Is there anything that I can't use my loan for?

You can use our loan for lots of things - if you do build a robot dog we'd love to see it. There are some things we don't offer loans for including the purchase of property or land (both UK & Overseas) including holiday homes and apartments, purchasing a joint stake in a property or buying out a joint owner, mortgage Deposit (regardless of lender or country) or gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees. In addition, a Personal Loan should not be provided for gambling, business purposes or sharedealing. This list isn't exclusive but you can give us a call if you'd like clarification on 03 456 100 199 from 8am to 10pm, seven days a week.

Can I use my loan to consolidate debt?

Yes, as long as it's legal and not for business use, but if you're using some or all of the money to pay off, reduce or combine other borrowing, you should make sure it's right for your circumstances before going ahead. Some things to think about:

  • interest rate and monthly repayments - are you getting the best deal and can you still afford the monthly repayment?
  • the term of a new first direct Personal Loan compared to your existing commitments - if you spread your repayments over a longer term, you could end up paying more overall than you are right now, even if the interest rate on your new loan is lower than the rates you're currently paying
  • the term of a new first direct Personal Loan compared to your existing commitments - if you spread your repayments over a longer term, you could end up paying more overall than you are right now, even if the interest rate on your new loan is lower than the rates you're currently paying
  • early repayment charges - will you be penalised for settling other loans early?

Of course. You can repay your loan in full at any time by giving us notice - either by calling us on 03 456 100 199**, sending a secure message or in writing. We'll give you a settlement figure, and as long as you pay this in full, we can close your loan account. If you choose to repay your loan early, there could be a reduction in the amount of interest you have to pay, and this will be reflected in your settlement figure.

Are there any charges for settling early?

Yes, we charge one months' interest on the settlement figure if you close a Personal Loan account early.

How can I find out what my outstanding balance is?

For your current balance and/or a settlement figure, just call us on 03 456 100 199** or send us a secure message via Online Banking.

If you took your loan out after 11th June 2010, yes, you can make overpayments and these could reduce the amount of interest you pay over the term of the loan. If you took out your loan before this date, we can't accept overpayments.

Can I take a repayment holiday?

No, sorry - we don't offer repayment holidays with this loan.

What happens if I miss a payment?

If you're worried about your financial situation, it's better to let us know before you miss the payment - call us on 03 456 100 100. As a responsible lender, we'll work with you to make sure you can stay on top of any money problems you have, whether they're short or long-term.

If you're late paying any amount due under your agreement, we may charge you interest on the overdue amount at the interest rate specified in the agreement. This interest will be charged from when the payment was due until we receive that payment in full.

Persistent late or missed payments could affect your credit rating, which can make getting credit more difficult, and in the worst case it may lead to legal action to recover a debt. Please don't let things get that far, for your own sake - call us on 03 456 100 100 if you're having difficulties.

Do I have to be a first direct customer to take out this loan?

Yes, our Personal Loan is only available to first direct Current Account customers and payments are taking by standing order from your 1st Account. You can find out more about opening a current account here.

Do you offer any other types of loan? Secured, flexible or business loans?

Not right now, no. The first direct Personal Loan is an unsecured loan account with fixed monthly repayments.

for loans between £7,000 and £30,000.

If you borrow £16,000, over 60 monthly repayments of £289.57, at an interest rate of 3.3% p.a (fixed), with a representative 3.3% APR, the total amount you'll repay is £17,373.91.

How to apply for a Personal Loan

Log on to Online Banking, select 'Apply' and choose 'Personal Loan' from the left hand menu.

If you would prefer to speak to us, please call us on:

Sorry - our Personal Loans are only available to first direct Current Account customers (you're more than welcome to

You can also talk to us anytime on:

As you'd expect, credit is subject to status. The rate you'll receive depends on your individual circumstances, credit checks and an assessment of your financial situation. The maximum APR you could be offered is 21.9% APR.

You'll find more information in the Everything you should know tab on this page, and our postal address on our Contact us page. Please also read our Important Notes about our loans and Interest Rates and Charges opens a new window before you apply. Terms and Conditions apply.

*Please call us on 03 456 100 199** for joint applications or if there are any changes in your circumstances coming up - like an increase in outgoings or reduction in disposable income - that could affect your ability to repay what you have borrowed over the whole term.

**Our Personal Loans Team is available from 8am to 10pm, seven days a week.

Would a credit card work for you?

If you have a balance to transfer or purchases to make, we could have a credit card offer to suit you.

Deciding how to borrow money comes down to what suits you best. Here are some guides you can use to help you make up your mind:

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