First Direct Loan Agreement

As we only lend responsibly, we work with you to ensure that you can afford to borrow for the duration of the loan. If you see any changes in your circumstances that could increase your expenses or reduce your disposable income, please call us on 03 456 100 199**. Before you lend yourself money or increase your overdraft, we want to be sure that you can afford to pay it back so that you always have control over your money. In the case of a loan, this means that we want to assure you that you can afford to borrow for the duration of the loan. For more information, see the Everything you need to know tab on this page and our postal address on our contact page. Please also review our key information on our loans and interest rates and fees (PDF) before applying. The general conditions of sale apply. As this agreement does not change the terms of your agreement with us, we must nevertheless send you notifications about late refunds if we are required to do so by law. These will be recordings for you and do not require you to do anything. Sometimes we need more information from you before we can accept the loan.

If this is the case, you will be asked to call us during your application in our application or online. The time it will take to make the decision will depend on how quickly you get the information about us. If you are not lucky enough to have the money to buy a car directly, you have two main options: get a car on financing or buy a car with a loan. Here`s what you need to know: Contract Hire (CH) is a bit like leasing.