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Over how long?

Weekly repayments:
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£550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR


18 monthly payments of £113.06, repaying £2,035.08 in total

Standard personal loans term is 18 months. The interest we charge is directly related to the length of time you have your loan.

Max APR 937.8% (based on £550 over 18 months). All loans are subject to eligibility & affordability criteria. Late payment or non-payment may result in additional fees such as court fees. Click here for our renewal policy. Over 21s only, T&Cs apply.

What are direct loans?

Direct loans are loans provided by a direct lender. A direct lender is an independent financial company who will deal with a borrower in person; there is no third party involved, such as a bank or broker.

This means that when borrowers apply for direct loans, they only need to have contact with the direct lender, and will get a loan decision straight from them.

What are the advantages of direct loans?

There are many circumstances when you may need financial help. For example, if you are facing an unexpected bill, a car or appliance breakdown, or some kind of family emergency a loan could be the ideal solution to meet your financial need.

The advantage of direct loans is that, because you deal directly with the lender, you are likely to receive your money much faster than if you go through a bank or broker. 

So if you are facing a difficult financial situation and need money fast, finding a direct lender who offers direct loans could be the answer.

Does Loans 2 Go offer direct loans?

Yes. We offer direct loans between £250 and £2,000. 

If you take out one of our direct loans, the standard repayment period is between 18 and 24 months. You can choose whether to make repayments on a weekly, fortnightly or monthly basis, and can pay us either by Continuous Payment Authority from your debit card or by using our online payment portal.

We do not charge for setting up direct loans, and there is also no charge if you decide to repay all or part of your loan early.

What is the eligibility for Loans 2 Go direct loans?

There are four main eligibility criteria for our direct loans. You need to be:

  • Resident in the UK, either as a homeowner, tenant, or living with your parents;
  • At least 21 years old;
  • Currently employed with a regular income;
  • The holder of a UK bank account and debit card.

Many applicants for direct loans worry in case their credit score is not good enough to be accepted for a loan. As a responsible lender, we do need to ensure that the loan is affordable for you. But if this is the case, we will still consider lending to you if you have poor credit history or even a CCJ. 

What is the application process for Loans 2 Go direct loans?

It couldn’t be easier to apply for one of our direct loans

All you need to do is:

  • Click Apply Now;
  • Select how much you want to borrow; 
  • Enter the information we need about you and submit it to us.

Our aim is to give you an instant decision and, if your loan is approved, get the money into your account within 15 minutes.

So if life’s ups and downs have landed you in a tricky financial situation, we hope that Loans 2 Go direct loans may be able to help.


Representative example: if you borrow £550 over 18 months at a flat rate of 180% per annum (fixed) with a representative 770% APR you will make 18 monthly payments of £113.06, repaying £2,035.08 in total.