We currently only offer Loans in Northern Ireland

Firth Finance prides itself as a Responsible Lender with Family Values and Morals.

Working hard to make sure that you come first! Firth Finance makes sure that you are treated fairly and are offered favourable terms that are affordable with no hidden charges or late fees and you have repayment methods that suit you.

“Protecting The Interests Of Our Customers Every Day”

How Does It Work?

As Responsible Lenders we have set out the application process in steps that are easy to follow and understand.

After you have used the quick calculator for either a Cash Loan or Vouchers, follow the steps provided to finalise your application – it will take less than 5 minutes and is very easy to complete.

We'll receive your application immediately. For your protection, all applications are subject to a Credit Check and Customer Affordability Assessment. View our terms & conditions.

We will process your application as quickly as possible, aiming to have a decision for you within two working days (excluding weekends or Bank Holidays). One of our friendly staff will be in contact; and if necessary, at a time convenient to you an agent will call to your home to discuss your needs and finalise your application.

Repayments can be either by home collection or by debit card, you will even receive a rebate if your loan is paid back early!

1

Quick Calculator

Use the Quick Loan or Voucher Calculator to see a clear and transparent Representative Example of what we offer.

2

Online Application

Complete the Application Screens, it takes less than 5 minutes.

3

Processing

We will process your application and perform a quick credit check.

4

Contact From Us

We will be in contact within 2 working days (Mon-Fri, excluding Bank Holidays).

About the Card

Have you ever taken a cash loan or High Street Vouchers and realised that what you were going to buy is cheaper online? How about missing out on those pop-up online sales or the item that you can only find on Amazon or eBay, not to mention the vast quantity of utility suppliers that offer a discount if you pay by card.

The Firth Finance Pre-Paid Mastercard opens up all of these possibilities, allowing you full flexibility when you want to purchase something or pay a bill with the added security and peace of mind that Mastercard brings you!

And if you need the cash – the Firth Finance Pre-Paid Mastercard can be used at an ATM also.

Together with B4B Payments who are our payment card provider. Firth Finance is giving this fantastic opportunity to all of their customers new or existing.

How does it work?

Once you have applied either online, calling or offices or directly with an Agent you will be asked if you would like your loan in Cash or on a Firth Finance Pre-Paid Mastercard.

If you decide that the Firth Finance Pre-Paid Mastercard is the right option for you, you can see the Terms and Conditions and we will process your application. We will have already loaded your card with your loan amount, all that’s left is for you to activate it using this link.

It can be used anywhere Mastercard is accepted, meaning that you can use your Firth Finance Pre-Paid Mastercard online, over the phone or in the shops.

Euro and US Dollar cards are available by request, easing the burden and adding to your security when travelling abroad carrying cash.

Activating Your Card

As soon as you get your card you will need to go to www.b4bpayments.com or use the link on the Firth Finance website and register your card. Following through the prompted questions you will be given a username and password, this can be used at anytime to see the remaining balance on your card and to manage your account. Firth Finance has teamed up with B4B Payments who are our Finance Card Partners. Your Firth Finance Pre-Paid Mastercard is issued to you by them on our behalf.

Once activated, you can use it straight away. As long as the retailer accepts Mastercard, you can use your Firth Finance Pre-Paid Mastercard.

Apply For a Loan or Vouchers

Now that you have had a chance to use the Quick Calculator, please complete the Application Form below, it takes less than 5 minutes and we will be back to you as quick as we can.

Frequently Asked Questions

Why Use Firth Finance?

Firth Finance prides its self as a Responsible Lender with Family Values and Morals.

Working hard to make sure that you come first! Firth Finance makes sure that you are treated fairly and are offered favourable terms that are affordable with no hidden charges or late fees and you have repayment methods that suit you. Our friendly and professional Agents will work with you to make sure you remain comfortable and within what you can afford.

We are one of the cheapest Home Credit lenders as can be seen on Lenders Compared here.

Firth Finance are Authorised and Regulated by the Financial Conduct Authority and the CCA ensuring that you are choosing a fully compliant, authorised and regulated company.

I Have A Bad Credit Rating – Can You Help?

Having a bad credit rating is not necessarily the “end of the line” if you need to borrow some money.

Firth Finance have helped many people in the past to lend some cash and even boost their rating by keeping regular payments.

An Affordability Assessment will be conducted, so we can see that you are in a position (and will remain that way for the full terms of the loan) then we may be able to help you.

What Are The Fees & Charges Of The Card?

Choosing to have you loan loaded onto a Firth Finance Pre-Paid Mastercard is free of charge, and there are no additional costs to you for using your card. There is a 2.75% FX fee for using your card abroad, and a £0.75 charge if you use it to withdraw cash from an ATM
If you lose your Firth Finance Pre-Paid Mastercard or it is damaged and you need a replacement card there is a fee of £7.80.

Who Is The Card Provider?

Firth Finance has teamed up with B4B Payments who are our Finance Card Partners.  Your Firth Finance Pre-Paid Mastercard is issued to you by them on our behalf.

How Much Can I Borrow?

If you are a new customer you can borrow between £100 and £200 as a Cash Loan and between £100 and £200 in Love2shop Vouchers.

If you are keeping regular payments you will be able to borrow more on additional loans up to £1000.

Are there Any Additional Charges?

When you choose Firth Finance we tell you everything at the beginning – There are no hidden fees and no late charges.  If you find yourself struggling to upkeep your payments we will work with you and get you onto a payment plan until you back on your feet again.

How Long Until I Hear if I Have Been Approved?

We aim to be in contact with you within two working days (Mon-Fri excluding Bank Holidays).  This allows us time to process your application.

Once you have been approved we can either deliver cash to your door or transfer it directly into your Bank Account.

How Do I Make Payments?

Payments start 7 days after you receive your Loan.

You have three options to make payments. Either an Agent can call at your door and collect your payment, you can pay by Standing Order or you may prefer to pay by Debit Card.

You will get a collection card so you can keep tabs on your weekly payments.

What About My Details – Are They Secure?

The security and privacy of our customers information is paramount to Firth Finance.

Firth Finance gather and process your personal information in accordance with our privacy notice and in compliance with the relevant data protection Regulation and Laws.

Please note: we are obligated to share some information with Credit Reference Agencies.

We are Authorised and Regulated by the Financial Conduct Authority (FCA)

What Is An Affordability Assessment?

As a Responsible Lender we put you first. We like to make sure that your loan is manageable and affordable for you. An Affordability Assessment helps us to make sure that you don’t run into difficulties while paying back your loan.

This is usually done with a Credit Reference Agency, however if this is not possible or if we would like further proof of income, an agent will call with you in the privacy of your own home to view your documents (either a paper copy or on-line document if you manage your accounts through an app or online service).

We will never take your documentation away or make note of any figures or numbers during the Assessment. A list of example documents that can be used will be provided to you before the Assessment if one is necessary.