Direct lenders

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.

Direct Lenders

Proper Finance is an award-winning comparison site that works with hundreds of high-quality, reputable lenders of whom you can apply for a wide variety of financial products, such as personal loans, guarantor loans or homeowner loans. Through our website, you can easily browse a huge range of products and then can quickly apply with a direct lender on their site after you have found the right product for you.

Why choose direct lenders with Proper Finance?

A direct lender enables the applicant to apply for a loan directly with the lender so that you can avoid the process of applying for a loan being long-winded and complicated. By applying through our website, you won’t have to worry about middlemen taking a cut of fees either. There are also a number of other advantages of choosing to apply through Proper Finance, such as:


  • Speedy process: the Proper Finance team fully understands that time is likely to be of the essence, and therefore you will most likely need access to funding quickly. We have taken this factor into consideration in our applicant process: once you have completed an online application, those who have passed the checks will then receive the money they have applied for in less than 24 hours. In certain cases, it could even just be one hour after being approved. We are able to do this thanks to having access to a faster payment system.
  • Instant decisions: another reason to apply for direct lenders through us is that once you have filled out an application form, you can receive an instant decision on your screen, meaning you can then move on to the next stage.
  • No middlemen: the Proper Finance team has made sure that all applications are dealt with in-house by our dedicated staff, ensuring that no middlemen are involved in the loan process.
  • Flexibility: we work with a large number of reputable direct lenders who provide borrowers with flexibility regarding the terms of the loan. Borrowers have the option of spreading out their repayments, or if they so wish to repay the loan early than expected.
  • Your details are safe with us: the Proper Finance team has made sure that the entirety of the application and decision process has been encrypted to ensure maximum security. Our website is hosted on a secure server (it starts with https) adding further encryption to all data submitted on our site. We can assure you that we will never share your details with third parties or middlemen without having your consent.
  • We are FCA authorised: Proper Finance is licensed and registered by the Financial Conduct Authority, providing you with additional peace of mind.

What is the cost of borrowing money with Proper Finance?

If you would like to apply for a loan with one of Proper Finance’s direct lenders, the cost of borrowing money is always capped. This equates to a cap of less than 0.8% per day and means that you will never end up in a situation where you will end up having to pay double the amount borrowed.


What about direct lenders for bad credit?

If you are concerned that it won’t be possible for you to apply for a loan through one of our direct lenders due to a poor credit history, don’t fret: here at Proper Finance, we work with a number of lenders who accommodate borrowers with bad credit.

We completely understand that people can experience past financial difficulties but may have other ways of showing their creditworthiness. This is why our company has partnered with trusted bad credit direct lenders who may be able to help you with your application for a loan.

This may mean that if you have bad credit and want to apply through one of our direct lenders, it could be more suitable for you to opt for a guarantor loan or a secured loan.

How can I apply with Proper Finance?

If you are interested in applying for a loan with Proper Finance, you should first check that you meet the following eligibility criteria before making an application with us:

  • You are a UK based resident
  • Valid UK debit account
  • You are in employment (either on a full or part-time basis)
  • Aged over 18
  • Valid UK mobile number
  • Ability to meet monthly loan repayments

Once you have checked that you have met these initial criteria for applying with a direct lender through us (additional criteria may apply depending on the lender and the type of loan you have applied for), you can go ahead with filling out our online application form.

Filling in your details on our site should take you less than 10 minutes to complete. You will receive a decision instantaneously as to whether your application has been approved to go onto the next stage or not, and it may mean you can access cash in just a few hours’ time.