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Fixed rate personal loans

Got big plans on the horizon? Help bring them to life with 3.0% APR representative from £7,500 to £15,000

UK residents only. Subject to status & eligibility. 18+. Rates depend on loan amount & individual circumstances.

Fixed rate Personal Loans at Yorkshire Bank

Whether it's for a dream holiday, home improvement, big purchase or special occasion, you could borrow £1,000 to £35,000 and repay over 1-5 years. If you are looking to borrow £7,500 or more, there is the option to repay over 6 or 7 years. Other conditions apply for debt consolidation [1] go to footnote 1.

Fixed repayments

With fixed rates, you'll know what you'll be paying each month

Flexible

You can repay your loan early in part or in full. An early repayment charge will apply [2] go to footnote 2

[1] Loans may be granted over terms of 6 or 7 years if the loan amount is £7,500 or more and less than 50% of the loan is to repay existing lending with us.

Clydesdale Bank, Yorkshire Bank, B and Virgin Money are becoming one bank

In October 2018, Virgin Money plc (Virgin Money) joined forces with Clydesdale Bank PLC (Clydesdale). If you have any products with Virgin Money, we need you to read some information before your apply.

Find out more (opens in a new window)

Calculate your estimated repayments

£
  Years

Representative example 

Borrow (£) Term time Monthly repayments (£) Interest rate per annum (Fixed) Representative APR Total amount payable (£)
£0 0 £0 0% 0% £0

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All loans are subject to status. The interest rate offered may differ from the Representative APR shown depending on our assessment of your financial circumstances and your chosen loan amount. For loans between £1,000 - £25,000 the maximum APR offered will be 29.9%.For loans between £25,001 - £35,000 the maximum APR offered will be 14.9%.

Apply now in just 15 minutes

Apply now for Personal Loan

To apply for a loan you must be aged 18 or over

Pick up where you left off

Continue an application for your Personal Loan

Manage an existing loan

Additional information

[2] You can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction we will charge up to an additional 58 days' interest on the amount you repay. You will need to contact our Customer Services team to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with options on how to make this payment.

Got any questions?

Give us a call

Prefer to talk to someone?

0800 707 6471

Or if you're abroad: +44 141 951 7320

Pop into a branch near you

Want to speak to someone face-to-face?

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Popular questions about loans

How long will it take to get my loan?

If you are approved your loan could be credited to your account within 2 hours.

Please note: If you are approved after 6:55pm Monday to Friday, you loan will be credited to your account by midday next day. No downtime at weekends.

Can I repay my loan early?

Yes, you can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction, we will charge up to an additional 58 days' interest on the amount you repay.

You will need to contact our Customer Services team on 0800 028 3632 to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with an up to date settlement figure and options on how to make this payment.

What if I want to borrow more?

You can apply online and choose to include your existing Personal Loan provided you are borrowing at least £1,000 in new funds. As part of the online application you will be asked to provide the sort code and account number for your current Loan, these can be found on Internet Banking if you are registered or by calling our support team on 0800 707 6471.

Your loan will be drawndown when we receive all required documentation. As part of this process your current loan will be automatically cleared and closed.

Please Note: As your current loan will not be closed until the new loan is in place please ensure any repayments on your current loan are kept up to date.

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