Personal loans
Guaranteed fixed payments for the term of the loan
How will you use your personal loan? You might want to make some improvements to your home, buy a new car or even consolidate all of your existing borrowings with a simple, fixed monthly payment.
Fixed repayments – you pay the same amount every month, for the life of the loan
Borrow up to £25,000 – the minimum loan amount is £1,000
Borrow over one to seven years – you can spread your repayments over one to five years, and up to seven years for loans over £15,000
Lower rates for larger loans – the more you borrow, the lower the interest rate
No arrangement fee – we don't charge you for simply taking out a loan
Not a home owner, no worries – you don't need to own your home to enjoy the benefits of a personal loan
Easy to apply – drop into your nearest branch or give us a call and we'll post out an application form. If you already bank online, simply log in and apply today.
Common definitions
Throughout this page, you'll see various terms being used. Here's what they mean:
Annual Percentage Rate (APR). The interest payable on what you've borrowed is added up along with other charges (e.g. arrangement fees) and then expressed as an annual rate of charge. The APR helps you compare the true cost of borrowing, for example for a mortgage. The APR takes into account all fees and charges applied to the mortgage as well as the monthly payments over the life of the loan.
Fixed rate. With a fixed rate, your repayments stay the same for the entire loan.
Interest rates
| Loan size range | Fixed Rate % | APR % |
|---|---|---|
| £1,000 - £2,999 | 19.70 | 21.50 |
| £3,000 - £4,999 | 15.72 | 16.90 |
| £5,000 - £7,499 | 12.65 | 13.40 |
| £7,500 - £9,999 | 11.76 | 12.40 |
| £10,000 - £12,499 | 10.87 | 11.40 |
| £12,500 - £14,999 | 10.87 | 11.40 |
| £15,000 - £19,999 | 10.87 | 11.40 |
| £20,000 - £25,000 | 10.87 | 11.40 |
Updated: 22nd June 2009
Preferential rates (For Advantage account customers)
If you have an Advantage account, our specially tailored rates could help bring down the cost of borrowing.
| Loan size range | Fixed Rate % | APR % |
|---|---|---|
| £1,000 - £2,999 | 18.70 | 20.50 |
| £3,000 - £4,999 | 14.85 | 15.90 |
| £5,000 - £7,499 | 11.76 | 12.40 |
| £7,500 - £9,999 | 10.87 | 11.40 |
| £10,000 - £12,499 | 9.96 | 10.40 |
| £12,500 - £14,999 | 9.96 | 10.40 |
| £15,000 - £19,999 | 9.96 | 10.40 |
| £20,000 - £25,000 | 9.96 | 10.40 |
Updated: 22nd June 2009
Get in touch
Jersey
01534 282828
Guernsey
01481 703800
Isle of Man
01624 697900
Gibraltar
00350 200 77737
Lines are open: Mon to Fri 9.00am-5.00pm
(excluding public holidays).
Calls may be recorded