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Fixed rate personal loans

Help bring your plans to life with 2.9% APR representative from £7,500 to £15,000

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

How our loans work

Whatever you're aiming for - maybe a new car, the holiday of a lifetime or some much-needed home improvements - a personal loan could help get you there.

A fixed rate personal loan is a sum of money borrowed from the lender and paid back over an agreed time and rate of interest. All loans are subject to status.

Loans to suit you

£1,000 to £35,000 over 1 to 5 years [1] go to footnote 1

Repay early

Repay in part or in full if you choose. An early repayment charge will apply [2] go to footnote 2

Fixed repayments

Know what you're paying each month and how long for

Calculate your loan

£ 
 Years 

Representative example 

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

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 12.9%.

Apply now in just 15 minutes

Apply now for Personal Loan

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

Additional information

[1] Loans may be granted over terms of 6 or 7 years if the loan amount is £7,500 or more and, if the purpose of the loan is to repay existing lending with us, the additional amount borrowed must be of greater value than the existing lending that is to be repaid.

[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

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Popular questions about personal loans

What if I want to pay off my loan early?

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

You’ll need to contact our Customer Services team on 0800 028 3632 to let us know you want to make an additional payment. Our team will provide you with an up to date settlement figure and options on how to make this payment.

What happens if I miss a payment?

If you miss a payment on your Personal loan, you will continue paying interest on the overdue amount and you will have to pay towards any reasonable collection costs that we incur as a result of you missing a payment. In this event, please contact us directly and we will offer advice and support.

Will I be credit checked?

Yes, we’ll do a credit check to assess whether we can lend you money.

This system, which is statistically based, allocates a series of points to details about your application. Information about your bank account and information obtained from a Credit Reference Agency is also taken into account. The points are totaled to produce a credit score which is then assessed against a pre-determined level to establish whether the application should be accepted.

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