Comparison

first direct vs Short Term Loans UK

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

first direct

Manage your finances on the go with this intuitive mobile banking application. Easily check balances, view transactions, and transfer funds to friends and family. This app simplifies everyday money management, with more enhancements planned for the future.

Highlights
  • Check account balances
  • View transaction history
  • Pay family and friends
  • Simplified money management
  • Mobile banking convenience
Features
Read full description

Your everyday just got a whole lot easier. Even better banking has arrived. At the coffee shop, deciding if it’s a skinny soy latte or a cup of tea. In a taxi stuck in traffic, wondering how much you’ve saved for your trip to Machu Picchu. On a rollercoaster, planning the decorations for your dog’s third birthday party… Wherever you are, whatever you’re doing, our new and improved mobile app makes banking even simpler. From checking your balances and viewing transactions to paying family and friends, mobile banking takes all the hassle out of everyday money stuff. You can now do more than ever from the comfort of your own phone - and if that’s not exciting enough, this is just the start of our mini digital revolution, with loads more improvements on the way. So go on. Get yourself up to date. Update now >> • Free to use, but providers may charge for download and usage • Use in accordance with local laws and check charges if using abroad • Use in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

About

Short Term Loans UK

Apply for personal loans in the UK with ease. This app connects you to multiple lenders simultaneously, streamlining the application process. It features a loan calculator and allows applications for amounts between £100 and £1000, even for those with bad credit.

Highlights
  • Apply to multiple lenders at once
  • Loan calculator
  • Secure data with PIN
  • Apply for £100-£1000
  • Bad credit considered
  • Reuse application form
Features
Read full description

Download Short Term Loans UK and start applying for personal loans UK whenever and whatever you are. We are the top short term loans application that helps you apply to top payday loan lenders in the UK. Just by filling all the form once, you can apply to all of our partner lenders at once. No more repetitive process of filling application form and waiting for the results. You will even have lenders competing for your business! Are you in dire need of cash by you don’t have many cash options right now? Are you looking for fast loans UK and don’t know where to look? Or are you worried that your application for payday loans UK will be rejected because of bad credit history? You will find that some of our payday loan lenders do not check your credit history and therefore no matter your credit history, you will be able to apply for short term loans with us. There are a lot of options because we partner with many top loans UK lenders. You can choose which lenders and terms that suit your needs the most and apply for loan with them and pay it back on your payday. Our built in loan calculator will also help you determine the payment for your debt so you can know first hand how much you will have to pay before you sign any agreement. =============================== Benefit of using Short Term Loans UK: =============================== • FREE to download and use forever! Our app will not take any payment or fee from you at all! Feel free to use our app to calculate short term loans, apply, and look up the various offers for your business. • LOAN CALCULATOR. Know how much you have to pay back if your short term loans are accepted and you receive the money in your bank. It will help you plan your finance better and understand your option. • APPLY ONCE. You only need to fill the information once and you will have many top payday loans UK lenders fighting for your business, instead of applying one by one and getting rejected again and again. Choose the term you like most, sign the paperwork, and wait for fast approval process, sometimes even before you leave the app! • READ BEFORE SIGN. You are able to read all the term and review all the paperwork before you sign. We want to make sure you understand fully the payday loan term before you agree on anything. • REUSE YOUR FORM. You can reuse the information you have out into the form for later purpose, or re-use it for another short terms loans UK application in the future. • SECURE YOUR DATA WITH PIN. You don’t have to worry other people will see and misuse your data. Secure all your data with our PIN system so that you are the only one who can access it. • GET 100 – 1000 £. You can apply for a loan between 100 – 1000 £ and have the money transferred to your account quickly after your application is approved. • SPEEDY PROCESS. As soon as your application is accepted, you will receive the money in your bank account. The process of applying short term loan with us is fast and painless. =============================== Applying for a loan, any loans, can be very troublesome. Some people are running out of options and payday loans might be their last cash option. The purpose of Short Term Loans UK is to streamline the process and makes it easier for anyone who needs short term loans UK to be able to get approved. This fast process and quick approval is necessary, especially if you need the money for emergencies. Using our app carries no obligation. If the terms don’t suit your needs, feel free to not accept any offer or sign any deal. We also don’t take money from you at all! Our company might receive commission for signed deals or for reference.

Screenshots

first direct4 screens
Short Term Loans UK3 screens

Verdict

The call

first direct and Short Term Loans UK both sit at 4.9 stars, but that hides the real split: 77% of first direct's written reviews are positive against 0% of Short Term Loans UK's. first direct also leads on update cadence (monthly vs every 28 months) and ratings volume (2K vs 33). Short Term Loans UK's advantage is iOS requirement (9.1 vs 15.0). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for first direct against 4.8 for Short Term Loans UK. That said, the two scores are not equally well evidenced: first direct has 2K ratings behind it against 33, so its average is the more settled of the two. Written reviews are what separate them: 77% of first direct's written reviews are positive against 0% of Short Term Loans UK's.

UpkeepUpdate frequency

first direct ships an update monthly, Short Term Loans UK every 28 months. The most recent releases landed on October 28, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
first direct versus Short Term Loans UK: the parameters behind the verdict, then further details
Parameterfirst directShort Term Loans UK
PriceFreeFree
Rating4.9 (2K ratings) — better4.8 (33 ratings)
Positive reviews76.5% of reviews — better0.0% of reviews
Number of ratings2K — better33
Update frequencyMonthly — betterEvery 28 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.09.1 — better
Further details — not scored
Size271 MB20 MB
Age rating4+4+
Developerfirst directRainbow UK Ltd

Customer experience

first direct

All ratings1,964 ratings
Positive97.3%
Neutral1.0%
Negative1.7%
Written reviews996 reviews
Positive76.5%
Neutral5.0%
Negative18.5%

Short Term Loans UK

All ratings25 ratings
Positive92.0%
Neutral0.0%
Negative8.0%
Written reviews3 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Bugs and requests

first direct

Reported bugs

4 issues
  • App freezing and crashing
  • Issues with cheque deposit functionality
  • Problems with multi-device authentication
  • Inconsistent behavior when updating payee details

Requested features

5 requests
  • Dark mode option
  • Improved transaction history and insights
  • Ability to edit scheduled payments and payees
  • Streamlined payment flow
  • Better categorization and budgeting tools

Short Term Loans UK

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

first direct

No in-app purchases

None

Short Term Loans UK

No in-app purchases

Questions

Is first direct free?
first direct is free to download, with no in-app purchases.
Is Short Term Loans UK free?
Short Term Loans UK is free to download, with no in-app purchases.
Which has better reviews, first direct or Short Term Loans UK?
first direct is rated higher. first direct averages 4.9 out of 5 from 2K ratings, while Short Term Loans UK averages 4.8 from 33 ratings.
Do first direct or Short Term Loans UK have ads?
Neither first direct nor Short Term Loans UK shows ads.
Which is updated more often, first direct or Short Term Loans UK?
first direct ships an update monthly, and Short Term Loans UK every 28 months. Most recently, first direct was updated on October 28, 2026 and Short Term Loans UK on October 22, 2026.

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