We Say Yes More Often
Unlock offers from multiple lenders. 1 Application. 11 Lenders.
Have questions? Need advice? Complete the form below to connect with a Financial Advisor
Complete the form below to apply.
Loans can be approved in one to two hours*. If you have any questions, or need help just give us a call on 0800 255 155 . Right, lets get you sorted faster…
*Subject to responsible lending checks and lending criteria.
Who Are
Loan Direct
Trusted Advice. Smarter Lending.
We’re accredited Financial Advisers and members of the Financial Services Federation.
We look at your full situation to find a loan you can manage – not just today, but long term. We can help lower repayments, simplify your debts, and set you up for success.
Fast. Fair. Low-cost lending.
Loan Direct
Been Declined?
Credit score not so perfect? No worries – we help most borrowers.
We take the time to understand your story and what’s behind your credit score.
We look at your full financial situation – not just a number.
There isn’t a lending situation we haven’t encountered before and we can find solutions for most.
Loan Direct
How It Works
2. One of our Financial Advisors will call to discuss your needs
3. We reach out to our lenders and find the best options for you
4. One – two hours later* we present our options and you tell us which one you prefer.
5. Loan documents are sent through for you to e-sign.
6. Funds are deposited into your account the same day*.
*Subject to responsible lending checks and lending criteria.
Already Have a Loan?
You Could be Paying too Much
Loans shouldn’t be set and forget.
- Struggling with repayments?
- Paying high interest or fees?
- Want extra cash?
We can help you:
- Lower your repayments
- Consolidate debts into one simple loan
- Access additional funds if needed
It’s free to find out if you can get a better deal.
Loan Direct
Frequently Asked Questions
As a responsible lender, we need to identify you and also make sure you can afford the loan repayments.
We need a valid photo ID such as a Passport or Driver’s License. The easiest way to do this is to email us a photo taken from your phone.
We also need confirmation of your income & expenses, we get this by requesting the last 90 days of your bank statements. You will be provided with a secure link that authorises us to view your statements online.
Your consultant will go through this with you.
The easiest way to provide a photo ID is to email us a photo taken from your phone.
We also need confirmation of your income & expenses, we do this by requesting the last 90 days of your bank statements. You will be provided with a secure link that authorises us to view your bank statements online.
Anything else required can be emailed to us.
Firstly, you will receive an email acknowledging receipt of your application and advising who your Loan Consultant is and their contact details.
Your consultant will request the last 90 days of your bank statements and Photo ID, then proceed to complete your application fully.
Once the application is ready your Loan Consultant will send it off to the lenders for approval, this typically takes between one and two hours and your consultant will contact you if we have any queries or need to clarify anything.
We will arrange to talk on the phone so we can discuss and disclose all of the loan details with you, this phone call will be followed by an email to reconfirm all of the loan details.
We then have your loan documents sent through to you – 99% of the time they will be emailed and can be signed online with no printing or witnessing requirements.
Once the contract has been accepted you are basically done!
Depending on your approval, there may be one or two more things we need to satisfy all of the lender’s loan conditions such as settlement letters so we can pay off other debts for you.
Funds can then be paid to you!
Depending on which bank you’re with, you will receive your funds later that day. If they are returned after 3.30PM the funds may not go through until the following day (it depends on the lender too).
We can normally assist if we know the circumstances. In most cases we can still help if your current credit is up to date and your bank statements show good conduct.
Sometimes we will require security to be added to the loan, this could be a vehicle or a home.
We treat your application confidentially and the only people who will see your application are us and any Finance Company that we send it to.
Please contact us here.