prev
next
Calculate your loan amount
Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.
$
Representative example*
| Monthly repayment | $ 291.92 |
|---|---|
| Total amount payable | $ 10,509.12 |
| APR APR | 3.3% |
| Interest rate p.a. | 3.3% |
Features & benefits
- Borrow from $ 1,000 to $ 25,000
- Get a quick decision
- Quick access to funds
Spread your repayments over one to five years for loans of $ 15,000 or less, or over one to eight years for loans over $ 15,000.
As an First Credit Interest current account customer, you could get an instant credit decision. Non-First Credit Interest current account customers should be contacted with a credit decision in 2-5 working days.
Existing First Credit Interest current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-First Credit Interest current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.
- Top up your existing loan
- Make overpayments free of charge
- First Credit Interest Advance customers could get 10% cashback
If you've already got an First Credit Interest Personal Loan and your financial needs have changed, taking additional borrowing could be the answer. You can consolidate your existing loan with additional borrowing.
This may reduce the amount of interest you pay.
10% interest cashback at the end of the loan term. Cashback is only available on loans with 60 repayments or less. If you close your loan early or it is ended by us you will not be eligible for cashback.
3.3% APR* Representative
For loans between $ 7,000 and $ 15,000. Now also available to non-First Credit Interest current account customers.
*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.
Apply for a Personal Loan
Are you eligible?
To be eligible for a Personal Loan you need to:
- have aaccount with a Direct Debit facility
- have an annual income/pension before tax of $ 10,000 or more
- be over 18 and a resident of the UK
Not available for customers with a Basic First Credit Interest Account.
We do not offer our Personal Loans for a number of purposes including:
- The purchase of property or land (both US & 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)
- Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees
In addition, our Personal Loan should not be provided for:
- Gambling
- Business purposes
- Share dealing
Please note that this list is not exhaustive.
Our Personal Loans are subject to status.
First Credit Interest customers
Please log on to your account for the quickest and easiest way to apply.
Log on and apply nowApply in the mobile app
If you're registered for mobile banking, have downloaded the app and have an First Credit Interest current account, you can apply within the app in just a few clicks.
Apply by phone or in branch
Apply by phone
You might also be interested in
Flexible Loan
Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).
Graduate Loan
Available exclusively to First Credit Interest current account customers who are within 5 years of graduation.
First Credit Interest Personal Loan
Available exclusively to First Credit Interest current account customers.