Wedding loans
Cover costs such as venue hire, catering, and all the glittering extras that make your wedding day extra special
What is Hastings Direct?
Hastings Direct, established in 1996 in Bexhill-on-Sea, East Sussex, is a UK-based insurance provider offering car, bike, van, and home insurance, among other products.
In recent years, it has expanded its digital-focused services to include unsecured personal loans.
What types of loans does Hastings Direct offer?
Hastings Direct offers unsecured personal loans with repayment terms between one to five years. They can be used for various purposes, such as:
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Holiday loans
Cover travel expenses and accommodation and plan your dream vacation with a holiday loan
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Home improvement loans
Use a home improvement loan to make upgrades to your house or flat
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Car loans
Finance the purchase of a new or used vehicle with a car loan
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Debt consolidation
Simplify your finances by combining multiple debts into a single loan
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Unexpected expenses
Help pay for unforeseen costs such as car repairs or medical bills
How much can I borrow with a Hastings Direct loan?
Loans with Hastings Direct are available from £1,000 to £25,000, across one to five years. The interest rate will be tailored to individuals depending on your personal financial circumstances.
Why choose a Hastings Direct loan?
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Fixed interest rates
The interest rate you're offered is fixed for the duration of the loan
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No set up fees
Hastings Direct never charge setup fees for personal loans
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Fully digital
All paperwork and services are available through the website or app
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FCA regulated
Hastings Direct is authorised and regulated by the Financial Conduct Authority
How quickly will I receive the money?
Hastings Direct states on their website that funds are usually transferred to your account within 5 working days after you've signed your loan agreement.
Are there any fees or charges?
Hastings Direct doesn't charge set up fees for loans and you can repay the loan in full or in part at any stage and without any additional fees.
However, in line with Consumer Credit (Early Settlement) Regulations, Hastings may defer the settlement date by up to 58 days. This means you will be liable for interest payments over that period.
Missed payment fees also apply.
Am I eligible for a Hastings Direct loan?
To be eligible for a Hastings Direct personal loan, applicants must meet the following criteria:
You must be a permanent UK resident and have lived here for at least three years
Be between 18 and 74 years old and not reach 75 or over by the end of the loan term
You must own a UK bank account
Employed or retired with a minimum annual income of £15,000
Not have had any County Court Judgements (CCJs) in the last three years, or been declared bankrupt, or entered into Individual Voluntary Arrangements in the last six years
Applicants should not already have an existing loan with Hastings Direct
How to compare loans with MoneySuperMarket
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Can I take a payment holiday with Hastings Direct loans?
Hastings Direct don't state whether they offer payment holidays on their website. If you need to miss or delay a payment, their guidance is to contact customer support as soon as possible, rather than assume a break is allowed.
Can I pay off my loan early?
Yes, you can pay off your Hastings Direct personal loan early, either in part or in full, with no early‑repayment fee—but bear in mind you may still pay short-term interest up to 58 days as allowed under UK Consumer Credit law.
What happens if I miss a payment?
If you miss a Hastings Direct loan payment, a £12 charge and potential late or penalty interest will apply. Your credit score will also be at risk if you keep missing payments. It’s best to pay quickly and contact them to discuss your situation to prevent escalation.
Can I have more than one Hastings Direct loan?
No, you cannot have more than one loan. At this current time, Hastings Direct don't allow their customers to take out a second loan with them.
Can I apply for a loan with someone else?
No, Hastings Direct currently only accept applications from single applicants. You cannot apply jointly with someone else.
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Reviewed on 8 Dec 2025 by
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Accurate as of 08 December 2025.