APR: 38.7% Representative
Loan amount: £2,000 - £15,000
Repayment duration: 24 - 72 Months
OPTIOSCORE 72.2/100 
Time to apply: 03m 20s
1st Stop Personal Loans customer reviews

2.7 out of 5 from 11 customer reviews

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Representative Example: If you borrow £5,000.00 over 48 months at a Representative rate of 38.7% APR (variable) and an annual interest rate of 18.58% (fixed) and a £375 arrangement fee, you would pay 60 monthly instalments of £181.57. The total charge for credit will be £3715.24 and the total amount payable will be £8,715.24.

1st Stop Personal Loans customer reviews

2.7 out of 5 from 11 reviews

Easy but expensive

12:21 19-01-2014

via Choose Wisely


Have nothing to do with this company!

06:07 20-11-2012

via Choose Wisely

I applied for a loan and got past to another loan company which wanted £49 for the application. I decided not to go further wwith the application and email them to confirm that I wanted nothing more to do with either company. Not impressed. Checked my account today and strange amounts all under 10p have left my account over two days. I'll be contacting my bank and the police.!


Same old rubbish

11:42 29-06-2012

via Choose Wisely

Passed all the stages of the checks, they rang my work place and confirmed I work there etc etc and then right at the end I was declined because I didn't pass the credit check. The reason I applied here in the first place because it is a company that accepts bad credit??? So thanks for wasting my time!!!


Very expensive, not worth it in the long run

15:05 27-02-2012

via Choose Wisely

If you miss a payment these people will hound you day and night on every number they have for you. Please remember that. Also if you plan to extend it becomes really, really expensive. One of the highest interest loans of them all so really think hard about this and if you do take it - pay them back at first attempt, otherwise you are just an idiot!


dont touch this company

03:58 21-02-2012

via Choose Wisely

do not touch this company .iff you miss a payment they hound you and harrass you at work and at home.they are unreasonable when trying to make an arrangement to pay money back..GO ELSEWHERE .DO NOT TOUCH THIS COMPANY


Not the chepest

12:37 09-01-2012

via Choose Wisely

I have used this company for a couple of months, the charge £45 per £100 if your rolling over as the charge is £35 plus £10 roll-over fee there are much cheaper ones out there if you can get them. Also charge £20 to get speedy payment which could potentially be £200 if you take it over 2 months.But in saying that, they are quick, answer your emails quick and off great customer service on the phone. its up to you.



05:53 31-10-2011

via Choose Wisely

avoid like the plague, ruthless and aggressive...........threatening e-mails, prob no differnt from majority, fine when you are oaying extortionate rates but miss and all hell will break loose, about to report for breach of data protection!!


Great service

07:15 21-07-2011

via Choose Wisely

Easy to use online service, staight forward, plus I got my loan the same day! Will definately recommend.


Bad Broker

17:26 15-07-2011

via Choose Wisely

Was passed onto another lender who said they "had" a loan for me which was nothing like what i applied for. Also it'd cost me £49 to get it.



06:44 27-01-2011

via Choose Wisely

I find this compay very rewarding and meet's my need's


Our review of 1st Stop Personal Loans

Our review by Mark
Written by: Mark
Consumer sentiment



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

Minimum criteria

  • You must have a UK bank account that your wages get 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


  • Maximum APR 38.7%
  • Arrangement fee: £375
  • Early repayment fee: £0
  • Late payment fee: £0

About 1st Stop Personal Loans

1st Stop Personal Loans offer loans between £2,000 and £15,000 over periods of 24-72 months.

There is an arangement fee of £375 applicable when you take our a loan with 1st Stop Personal Loans.

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