# first direct vs Short Term Loans UK

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.

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

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.

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.

## The numbers

| Metric | first direct | Short Term Loans UK |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2K ratings)](https://appshunter.io/ios/app/first-direct/id405905004/reviews)** | [4.8 (33 ratings)](https://appshunter.io/ios/app/short-term-loans-uk/id1114001943/reviews) |
| Number of ratings | **2K** | 33 |
| Positive reviews | **76.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 28 months |
| Monetization | Free | Free |
| Size | 271 MB | 20 MB |
| Requires iOS | 15.0 | **9.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [first direct](https://appshunter.io/developer/405905007) | [Rainbow UK Ltd](https://appshunter.io/developer/444982555) |

## What reviewers say

### first direct

[App page](https://appshunter.io/ios/app/first-direct/id405905004)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and accurate
- 🔒 Excellent security
- 💡 Helpful customer service
- 👍 Consistent and reliable

**What reviewers complain about**

- 🐛 Occasional app crashes
- 🔒 Overly complex security measures
- 💡 Outdated and basic design
- 🔒 Frustrating authentication process
- 🐛 Buggy cheque deposit feature

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/short-term-loans-uk/id1114001943)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*