Personal Loans

Turn to us first to get the money you need.

Our award-winning personal loans can be used for debt consolidation, to cover unexpected expenses or pay for a new car, growing family or dream holiday.

Use our loan calculator below to determine monthly payments and apply online.

Apply for a Personal loan

We understand the financial challenges members of the armed forces face, which is why, whatever your pay or credit history, we have a loan that’s tailored to your individual needs and circumstances.

Loan Calculator

With loans available from £500 – £25,000, 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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I'd like to borrow
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MIN MTHS
Over
MIN MTHS

Monthly repayments

Total Repayable

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 Rates may be withdrawn at any time.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.

We can help with your latest financial goal

With loans available from £500 – £25,000 above your savings, we can help with your latest financial goal. And with rates from as little as 3.4% APR – 26.8% (Representative 12.7%), you can be sure that you’re receiving a competitive rate that’s right for you.

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, on your saving up to £10,000

Interest calculated on the reducing balance

Interest calculated on the reducing balance

Repayable over a maximum of 10 years

Here’s what our members say

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!
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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.
Testimonial Image
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.