Personal Loans

Whether you want to drive off in a new car, improve your home or refresh your finances our Personal Loan could help.

Rates from 4.3% APR Representative on loans from £7,500 to £15,000.
Pay back over 12-60 months (6 monthly intervals).
Fast decision - apply today using our secure and straightforward application form and you could get a decision in minutes.
Calculate your monthly repayments with our loan calculator.
Anyone who lives permanently in the UK, is aged 21 or over, has a bank or building society account with a Direct Debit facility can apply for a loan.

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See our loan range


Loan amount	APR
£1,000-£2,999	20.3%
£3,000-£4,999	13.9%
£5,000-£7,499	6.1%
£7,500-£15,000	4.3%
£15,001-£20,000	6.2%

Use our loan calculator to work out your monthly repayments

You could borrow £15,000 for less than £280 a month over 5 years

Our 123 Current Account and 1|2|3 Credit Card customers can take advantage of our low rate when borrowing up to £15,000.

Find out more

You can also apply in branch alternatively if you prefer to speak to somebody please call 0800 028 4055

General conditions

You must:

return your signed agreement within 28 days of your application
spread the repayments over 1 to 5 years (in 6 monthly intervals)
make sure you can afford the repayments before you enter into a loan agreement with us
make your repayments by Direct Debit.

If you apply online, we'll send you full Terms and Conditions when you apply, which you need to agree to, before returning your agreement.

We will always notify you in writing if your Terms and Conditions change. The documents below are the current versions.

Personal Loans Key Facts Document
Terms and Conditions and Important Information
Terms of Business

You can apply for a Personal Loan if you:

are at least 21 years old
are a permanent resident in the UK
have a regular gross annual income of at least £5,000
have a bank or building society account with a Direct Debit facility
have been not declared bankrupt, had a CCJ or an IVA (within the past 6 years).

Direct Debit mandate form

Useful information to have when applying:

addresses for the past 3 years
employer's address and postcode
monthly income and expenditure
bank/building society details.

If you have a 1|2|3 Current Account or 1|2|3 Credit Card find out more about our personal loan before you apply:

Find out more

If you don't have one of the above accounts, you can apply for a personal loan below:

Apply now

Representative Example
4.3% APR Representative. Loan amount £10,000 for £185.32 per month over 60 months. Total amount repayable £11,119.20. Rate of interest per annum 4.3% fixed.

Your personal circumstances affect the rate we can offer you which may differ from the representative APR. We will do a credit assessment of your circumstances when you apply. Credit available subject to status. We reserve the right to refuse any application and to refuse a loan for certain purposes. Information and rates correct as at 25.07.2014.

Existing online banking customer

Help & Support

You may have a personalised loan rate. Log on and check My Offers

Existing loan customer

Find your nearest branch

Need to borrow more? Call 0800 028 4055 quoting 7030.

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Frequently asked questions

Will I get the loan rate you've advertised?

Not necessarily. This is the representative rate we offer to the majority of people we offer loans to of this size.

How your rate is decided
When you apply we do a credit assessment. This will affect the rate we offer you which may be different to the representative rate.

Get an idea of your loan repayments
The loan calculator uses the representative rate to give you a guide as to what your repayments will be.
Loan calculator

Find out exactly what we can offer you
You need to apply for a Personal Loan so we can do the credit assessment. This credit search will appear on your credit file. You’re under no obligation to take the rate we offer you.
Can I pay my loan off early and will I be charged?

You can pay a Personal Loan off or make overpayments at any time. Depending on the loan you’ve taken, we may charge you to do this.

Find out how much it would cost to repay your loan in full or make overpayments
Call us on 0845 602 2713 and press option 2, 8am to 7pm Monday to Friday or 9am to 2pm Saturdays.

View our call charges
How do I make a complaint about the way that my PPI was sold?

Please contact our team of specialist PPI complaint handlers on 0845 600 6014. Lines are open 8.30am to 5.30pm Monday to Friday.

It can help to have your PPI policy number to hand but we can find this for you if you don’t have it by using your name, date of birth and address at the time you took the policy out.

We’ll take the details of your complaint and advise you of the next steps.

To help us understand your complaint fully and process it quickly you can download and complete a PPI Questionnaire

If you’re unsure whether you have/had PPI
We can confirm this if you call us on the number above.

View our call charges
I am an existing loan customer, how can I borrow more?

Call us or visit us in branch.

Call us
0800 028 4055, 8am to 9pm Monday to Saturday or 8am to 4pm Saturdays. View our call charges

In branch
Find your nearest branch
Where can I find details of my PPI policy document?

For PPI policies taken out from 4 May 2009
PPI policy document
PPI policy summary

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More FAQs...

Can’t find what you are looking for? Find more on the Loans FAQs page