Personal loans
Whether you're replacing your car, planning on some home improvements, or simply getting your finances in order, a personal loan from Hastings Direct could be more affordable than you think.
Check your eligibilityCovid-19 and your loan – we’re here to help.
If you’re struggling to make your loan repayments or if your financial situation has changed as a result of Covid-19, please email us at loans@hastingsdirect.com. We can then call you back to discuss your options, which could include a payment deferral.
Why choose Hastings Direct personal loans?
We make it easy
Online application with no need to send anything in the post
A fair deal
We aim to offer great rates and we never charge setup fees
Apply with confidence
Checking your eligibility won't affect your credit score
Our Representative APR
3.8%For loans between £5,000 and £15,000
| Loan amount | Representative APR |
| £1,000 - 1,999 | 19.9% |
| £2,000 - 2,999 | 14.9% |
| £3,000 - 4,999 | 8.9% |
| £5,000 - 7,499 | 3.8% |
| £7,500 - 14,999 | 3.8% |
| £15,000 - 19,999 | 4.9% |
| £20,000 - 25,000 | 4.9% |
Looking for Hastings Direct insurance products?
Millions of UK customers trust us to provide competitive and straightforward car, home, bike & van insurance.
Representative example
If you borrow £5,000 over 60 months at a Representative APR of 3.8% and an annual rate of 3.74% (fixed) you would pay £91.49 per month. The total charge for credit will be £489.40 and the total amount repayable is £5,489.40.
The majority of people who take out a loan between £5,000 and £15,000 will be given the advertised Representative APR or lower. The rate you’re offered will depend on the amount you wish to borrow along with your personal circumstances, financial circumstances and credit history.
Contact us
loans@hastingsdirect.comOur Representative APR
3.8%For loans between £5,000 and £15,000
| Loan amount | Representative APR |
| £1,000 - 1,999 | 19.9% |
| £2,000 - 2,999 | 14.9% |
| £3,000 - 4,999 | 8.9% |
| £5,000 - 7,499 | 3.8% |
| £7,500 - 14,999 | 3.8% |
| £15,000 - 19,999 | 4.9% |
| £20,000 - 25,000 | 4.9% |
Looking for Hastings Direct insurance products?
Millions of UK customers trust us to provide competitive and straightforward car, home, bike & van insurance.