first direct

First direct, a division of the HSBC banking group is not a conventional brick and mortar bank. Instead, they offer banking services over the telephone or through their internet banking portal. Unlike high street banks, first direct operate 24 hours a day, 7 days a week and they position themselves as the bank that never closes.

They offer all the usual products you would expect to see from a bank, current accounts, mortgages, personal loans and credit cards to name a few.

first direct personal loans

First direct offer personal loans starting at £1,000 and to a maximum of £50,000. Loan terms can be anything from 1 year to 7 years with rates starting at 3.3% APR Representative. Their loans are only available to first direct current account holders.

First direct loans at a glance

• A decision in minutes for single applicants
• Immediate access to your money if you are approved online
• Flexibility to overpay without penalty

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first direct credit cards

First direct offer both promotional 0% balance transfer and 0% purchase credit cards. Rates increase to 18.9% APR Variable and 16.9% APR Variable retrospectively when the promotional periods end. Both cards carry the VISA logo and can be used at millions of locations worldwide.

First direct cards at a glance

• 0% interest on transfers and purchases for a promotional period
• No annual fee’s
• £500 minimum credit limit
• Cashback offers with Visa offers

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