Flexi Credit

Your First Defence against pay-day lenders.

Life happens, but with Flexi Credit from First Defence Finance you’re always prepared for unexpected expenses.

Instead of applying for short-term loans on a regular basis and running the risk of being rejected or choosing a higher cost lender, Flexi Credit works as an emergency reserve, like an overdraft or credit card.

Choose a Flexi Credit account

Instead of applying for short-term loans on a regular basis and running the risk of being rejected by a lender or choosing a higher cost lender, choose a Flexi Credit account, which is fixed for 2 years so you can be confident you can be financially resilient in challenging times.

With funds available from £500 – £2,000, you can draw down the amount you need, when you need it most, without incurring sky-high interest rates from payday lenders.

Be confident of not falling behind on repayments.

Have you ever missed a minimum payment on a credit card? Those days are over with repayments taken straight from your payroll or pension, so you can be confident of not falling behind on repayments.

Like a credit card or overdraft, as you make monthly repayments, more money becomes available to withdraw in your Flexi Credit account.

Plus, you get all of the usual benefits of a loan with First Defence Finance

No early repayment penalties

No hidden fees or charges

FREE life cover

Interest calculated on the reducing balance

Repayable over a maximum of 2 years

Variable interest rate dependent on Flexi Credit Amount (12.7%-26.8% APR)

Loan Calculator

With loans available from £500 – £25,000 above your savings, we can help with your latest financial goal. Calculate the amount you wish to borrow and how much the repayment would be today

Debt Consolidation
Vehicle Purchase
Personal
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Monthly repayments

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APR

Please be aware that this is not a loan offer and the figures quoted in this document are based on our lowest rate  which may differ from the actual APR you qualify for after we have conducted a credit search. As a result, this should only be used as an indicative illustration.

Representative rate 9.9% APR.

The calculator is for illustration purposes only. Rates may be withdrawn at any time. We reserve the right to refuse any application.

Here’s what our members say

We’ve all heard how crucial it is to set intentions, goals and targets. Powerful goals electrify us.

Ian
I was able to afford a car that I would never normally get. The money for repayments is handled through my payslip so no stress.
Personal Loan
Ian
Sam
A personal loan enabled me and my wife to afford IVF services and that has been successful and are now 23 weeks pregnant. Thank you!
Personal Loan
Sam
William
I needed to consolidate some debt. With the help of First Defence Finance, I pulled it all together which allowed me to go debt free within 6 months on a single monthly payment. I then was able to buy a new family car as I had additional income available.
Debt Consolidation
William
Samantha
The instant up to £500 Flexi Credit loan helped me to consolidate and pay off debt quickly without concerns of large interest amounts!
Testimonial Image
Flexi Credit
Samantha
Lee
A huge weight has been lifted knowing that not only was my debt was being repaid quicker, but it was from source, a large amount of the uncertainty had been taken care of. The ability to save alongside separately for those annual bills added to the sense of security helping me to work my finances out properly now and for the future.
Debt Consolidation
Lee
Thomas
I was stuck with multiple loans, which I was paying high interest rates for. I was able to consolidate all my loans and credit cards and pay them off with the help of First Defence Finance which saved me thousands of pounds in interest repayments.
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Debt Consolidation
Thomas
Jimmy
I needed to get a loan as my car had broken down at Christmas time. I had been rejected by other companies but First Defence Finance assisted me and made Christmas a lot easier.
Personal Loan
Jimmy

Become a member and start saving today!

We put this in practice by providing you with fair rates of borrowing, flexible savings accounts to kickstart that habit and financial education as a means of giving you the tools to manage your finances more effectively.