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Personal loans

Whether it's for something special, or absolutely essential, our 5-star rated personal loans could be what you need.

Our lowest rate: 6.2% APR representative for loans between £7,500 and £25,000 for 1 - 5 years.

 

Benefits of a TSB personal loan

Get your money today
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It takes just 2 minutes to get a quote and you could have the money on the same day.*

Flexible payment options
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You can choose to overpay your loan or apply for a repayment holiday**, if you need it. Subject to approval.

Know your rate before you apply
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We’ll give you a personalised quote without affecting your credit score.


Try our loan calculator

Our lowest rate is just 6.2% APR representative for loans between £7,500 and £25,000 for 1 - 5 years.

The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.



To apply for a loan, you'll need to:

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Be a UK resident

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Be over 18, or over 21 if you apply online

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Be employed or have a regular income

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Earn at least £850 per month after tax

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Not have any recent CCJs, Credit Defaults or Bankruptcies, and be up to date with any TSB debts

How do I apply?

Already a TSB customer?

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Log in, and we'll auto-fill your details

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Use the loan calculator to see how much your loan could cost

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Get a personalised quote to see your rates without impacting your credit score before applying

How do I apply?

Not a customer?

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Use the loan calculator to see how much you could afford to borrow

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Give us a few details so we can offer a personalised quote without impacting your credit score

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See your rates and apply for a loan

Additional information

If you prefer to apply in branch or through telephone banking, you can book an appointment in advance.


Borrow well

If you’re looking to borrow money, read our guide to borrowing sensibly.

Take five to stop fraud logo
Fraudsters will often try to trick you into taking out a loan

If you’re applying today: to make an investment, to help the National Crime Agency or the police to catch a criminal, or to send money to someone, even someone you know, STOP!

These are common frauds and you may be about to become a victim. For help and support, please call our fraud team on 0800 096 8669.

Any questions?

Important information

*If you’ve held a TSB current account for more than 3 months and are approved before 6pm. Or the next day if not (excluding Sundays and bank holidays). Lending is subject to approval and the actual rate offered will depend on our assessment of your personal circumstances.

**Early settlement charges may apply if you pay off your loan in full. With a repayment holiday, the term of your loan will increase, meaning you may pay more interest.

The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.

TSB adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

To read more about our lending commitments to you, please click here to read the leaflet.