buffa is a direct lender; therefore, you can apply for a loan directly with us and we lend the money directly to you. No middle man, no fuss, just a simple, easy, one to one process.

What is a direct lender?

A direct lender is a lender who provides money to an individual directly, without there being any intermediaries involved. Direct loans allow the person taking out the loan to deal with the loan issuer who will be lending them the money. This creates a much smoother process and a clearer and more personal relationship between the loan issuer and borrower.

Why choose a direct lender?

  • Timeframes – Getting a loan from a direct lender can be much quicker as you don’t have to wait for any sort of third party approvals and application processing. Therefore, once your loan has been approved by the direct lender, they can pay you the money straight away.
  • Privacy – With a direct lender, your information is shared with less people, therefore increasing your level of privacy. Brokers and other indirect lenders can share your information with multiple companies to have your loan application approved as they don’t generally provide the loan themselves, meaning your details will be made available to a potentially large number of unknown companies at once.
  • Fewer Fees – With a direct lender, you will potentially find that there are fewer fees involved as you don’t have to pay for the help of any third parties or intermediaries to introduce you to your loan provider.
  • Simpler Process – Dealing directly with your lender makes the process much simpler. You get smoother and clearer communication as you can contact the lender directly and there is less waiting around for the approval of your loan application. This also means that once you have taken out your loan you can be sure who you need to contact should you have any questions or concerns about your loan in the future.


How Does A Direct Loan Work?

Why Choose buffa?

Loan Decision Instantly

We won’t leave you waiting to find out whether you qualify for a loan from us. Get an instant indicative decision to advise whether we accept, reject or need to conduct further checks relating to your application.

No Impact on your Credit Score

Complete your buffa loan application safe in the knowledge that it will not impact your credit score. We’ll give you an initial decision with absolutely no obligation on your part.

Transparency with No Hidden Fees

We pride ourselves on being upfront and honest about our loans, so you’ll know exactly what you’re expected to pay back and by when before you agree to take the loan. When we say no fees, we mean it. No late repayment fees, no loan arrangement fees and no hidden charges. Ever.

Flexible Repayment Options

Because our loans are fully flexible and designed to suit your individual circumstances, you can repay at any time. So, if you want to make early repayments or overpayments against your loan to make savings on the overall interest charges, that’s just fine. Or if you prefer the certainty of knowing how much you need to repay each time, on a fixed repayment date each month, that’s just fine too. It’s your loan so you can repay your way.

Bad or Impaired Credit Considered

We strongly believe that nobody should be held back from leading their life by a bad or impaired credit history. We will consider all loan applications on their own merits and will always do our best to provide you with a loan, regardless of your credit history.

Money Paid in Minutes

Need your loan in a hurry? Once approved, money will be in your account within a matter of minutes. No delays, just quick and simple access to your money.


Need Help?

Need some help completing your buffa loan application? Speak to our friendly UK based team today

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