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.
Borrow £1,000 to £35,000 over 1-5 years. Borrow £7,500 or more and you could repay over 6 or 7 years. Other conditions apply for debt consolidation  go to footnote 1
Know what you're paying each month and how long for
 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.
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 you apply.
|Borrow (£)||Term time||Monthly repayments (£)||Interest rate per annum (Fixed)||Representative APR||Total amount payable (£)|
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%.
To apply for a loan you must be aged 18 or over
 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.
Want to speak to someone face-to-face?
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.
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.
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.