First Plus Loans


  • first plus logo
    • Typical APR: 11.4%
    • Min: £5,000
    • Max: £100,000
    • Term: 5 - 25 Years
    • Bad Credit: Yes

Update: This company is no longer in business.

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Created in 1997, FirstPlus has a staff of 450 based in Cardiff and specializes in providing customers with a competitive product and personalized service. They strive to be the market leader in homeowner loans.


FirstPlus is different from the competition because the company won't lend to customers they feel can't handle the obligation. To this end, the company website includes a checklist of items to help those considering applying for loans. The checklist lets individuals consider their situation and determine if a loan is the solution.


FirstPlus offers homeowner loans in a matter of minutes through their online application process. Loans range from £5,000 up to £100,000 and have payment terms ranging from five years to twenty-five. Clients set the loan amount and terms.

Interest rates on the loans are variable and loan funds can be used for any purpose. A payment protection plan is offered as well to guarantee the loan should the unexpected happen as well. Apply online with a no obligation application and receive an answer in minutes.

Clients and Customers

Since the company inception, it has helped 250,000 UK homeowners find loan programs to suit their needs. The FirstPlus customer is a homeowner over twenty years old who is a UK resident. The self employed are also encouraged to apply for a loan as they do not treat self employment with any stigma. Those with poor credit might also qualify for a loan under a program as well. Each customer works exclusively with a dedicated customer account manager throughout the entire loan process.

Associations and Credentials

FirstPlus is a wholly owned as a subsidiary of Barclays Bank Plc. It operates under the Office of Fair Trading Consumer Credit License 428561. FirstPlus Financial Group is authorized by the Financial Services Authority (FSA) (309325.) It is also a member of the Financing and Leasing Association.

Interest Rates

At the time of publication, FirstPlus is offering a special introductory interest rate of 4.9% fixed interest for the first ninety days followed by a typical interest rate of 11.4% ARP variable. This offer ends August 8, 2008. Individual interest rates are determined by your personal credit and financial situation.

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