1st Stop Personal Loans

6 reviews

Representative 30.8% APR

Will lend between: £2,000 - £15,000

Over: 24 - 72 Months

Representative example: If you borrow £5,862 over 47 months at a Representative rate of 30.8% APR and an annual interest rate of 13.5% (fixed) you would pay 46 monthly repayments of £203.83 and a final payment of £204.03. The total charge for credit will be £3,718.21 and the total amount payable will be £9,580.21. Acceptance fee £395*

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  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
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1st Stop Personal Loans customer reviews.

6 reviews

1.0 out of 5 stars

Our review of 1st Stop Personal Loans

1st Stop Personal Loans are available up to £15,000 for new and existing customers. The application process seems quick and it’s comforting to know that they complete detailed checks into their customers’ credit health before approving a loan.

Reviews across the web are positive and can be attributed mainly to their great customer service. 1st Stop pride themselves on having customer service teams on hand to help you in completing your application, guiding you through it on the phone. It may seem like a chore having to complete the application over the phone, but speaking to an advisor as you complete the application for many provides the peace of mind that you’re in safe hands.

Positive mentions also go to their professionalism and speed of payout.

Overall verdict: On the whole 1st Stop seem to be a good choice for those with decent credit history. They have a thorough checking process and seem to present approval results quickly and with great customer service.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • You may not need to provide any documents, they will inform you when they receive your application
  • For residents living in England, Scotland and Wales

Minimum criteria

  • You must have a UK bank account that your wages are paid into
  • You must have been a UK resident for 3 years or longer
  • You must be 21 years of age or older to apply
  • You must have been employed for a minimum of 6 months
  • You must be a homeowner


  • Maximum APR 30.8%
  • Arrangement fee: £375
  • Early repayment fee: £0
  • Late payment fee: £0

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About 1st Stop Personal Loans

1st Stop Personal Loans Limited is part of The 1st Stop Group offering unsecured Personal Loans to homeowners. Perhaps you're making home improvements, planning a holiday or considering a major purchase. 1st Stop Personal Loans range between £2,000 and £15,000 over periods of 24-72 months with a Representative 28.5%APR (actual rate and repayments will be based on your personal circumstances).

There is an arrangement fee of £395 applicable when you take out a loan with 1st Stop Personal Loans.


Company information

Registration number: 05438114


01253 603952

10 Whitehills Drive, Whitehills Business Park, Blackpool, Lancashire FY4 5LW

FCA registration

Reference No: 723751

Trading names: 1st Stop Home Loans Ltd, 1st Stop Guarantor loans , 1st Stop Secured loans, 1st Stop Unsecured loans

Place of business: 10 Whitehills Business Park, Blackpool, Lancashire, FY4 5LW

Data protection registration

Registration No: ZA006742


Address: 10 Whitehills Business Park, Blackpool, Lancashire, FY4 5LW

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Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk