# first direct vs Mr Payday Loans UK

first direct and Mr Payday 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 Mr Payday Loans UK's. first direct also leads on update cadence (monthly vs every 11 months) and ratings volume (2K vs 39). Mr Payday 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 4.9 for Mr Payday Loans UK. That said, the two scores are not equally well evidenced: first direct has 2K ratings behind it against 39, 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 Mr Payday Loans UK's.

first direct ships an update monthly, Mr Payday Loans UK every 11 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | first direct | Mr Payday Loans UK |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (2K ratings)](https://appshunter.io/ios/app/first-direct/id405905004/reviews) | **[4.9 (39 ratings)](https://appshunter.io/ios/app/mr-payday-loans-uk/id860486913/reviews)** |
| Number of ratings | **2K** | 39 |
| Positive reviews | **76.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 11 months |
| Monetization | Free | Free |
| Size | 271 MB | 23 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


### Mr Payday Loans UK

[App page](https://appshunter.io/ios/app/mr-payday-loans-uk/id860486913)

This app connects you with UK lenders for short-term loans between £100 and £1000. It facilitates a quick application process, aiming to get funds into your bank account within hours, subject to lender approval. Information is stored securely for future applications.

**Highlights:** Short-term loans from £100 to £1000, Connects with over 70 UK lenders, Fast, two-minute application, Money in hours (subject to approval), Securely stored application information, Review paperwork before signing

**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 Mr Payday Loans UK free?

Mr Payday Loans UK is free to download, with no in-app purchases.

### Which has better reviews, first direct or Mr Payday Loans UK?

Mr Payday Loans UK is rated higher. first direct averages 4.9 out of 5 from 2K ratings, while Mr Payday Loans UK averages 4.9 from 39 ratings.

### Do first direct or Mr Payday Loans UK have ads?

Neither first direct nor Mr Payday Loans UK shows ads.

### Which is updated more often, first direct or Mr Payday Loans UK?

first direct ships an update monthly, and Mr Payday Loans UK every 11 months. Most recently, first direct was updated on October 23, 2026 and Mr Payday 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.*