• Personal loans

  • Our flexible personal loans are really useful if you need extra spending power to support your plans. And, you can apply for a TSB loan even if you don't have a current account with us. 

    Representative 3.9% APR* for loans between £7,500 to £20,000.

    • A personalised quote without affecting your credit score
    • You could get a decision in minutes
    • Fixed monthly payments
    • Pay your loan back over 1-7 years
    • Flexible - 2 repayments holidays per year & overpayments allowed

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

  • Loan Calculator

    I need to borrow:

    £1,000 £25,000
    You can only borrow between £1,000 and £25,000.

    And pay it back over:

  • Other rates may apply for different loan amounts

  • Personal loan FAQs

  • If you've held a TSB current account for more than 3 months

    - You can apply for a TSB loan online, in branch and by phone on 0345 835 3861.

    - You must be aged 18 and a UK resident.

    If you're not a TSB customer/have not held a TSB current account for more than 3 months 

    - At present, you can apply for a TSB loan in branch and by phone on 0345 835 3861.

    - You must be aged 18 and a UK resident.

    The amount that you can borrow with a personal loan will depend upon your personal circumstances, however we provide unsecured loans from £1,000 up to £25,000 for a term of between 1 and 7 years.

    If you take out a loan with us through Internet Banking you have 14 days to withdraw from the agreement.

    This right to withdraw will start on the day after you sign your loan agreement. If you do wish to withdraw from your loan during this time you must repay, no later than 30 calendar days after giving notice of withdrawal, the total loan amount (this is the amount we paid into your account) and the daily interest that we charge, both can be found on the Loan Agreement).

    You can withdraw by calling us on 0800 111 4166 7 days a week, 8am - 10pm - or by sending any notice to TSB Personal Loan Service Centre, P.O. Box 42, Peterlee, SR8 2YQ.

    If you want to talk to us about withdrawing from your loan more than 14 days after you've signed your loan agreement, please call us on 0800 111 4166 or visit your local branch .

    We pride ourselves on being a responsible lender so if you're struggling to make your monthly repayments we have a range of options that may be able to help you. Call us and we'll happily talk through the options.

    • We will charge a £25 fee each time your account is transferred to our Collections department, for example, when you miss a monthly payment
    • We will charge this fee to any current account you hold with us. If we are unable to do this, or if you do not have a current account with us, we will add it to your loan
    • You can repay your loan early at any time in full or part
    • We may charge you up to 58 days interest on any full settlement you make
    • If you make any additional payments we will use these to partially settle your loan. This means that you will continue to make your normal monthly payments, but the number of your repayments and the amount of your final repayment may change
  • Borrowing Sensibly

    If you are looking to borrow some money, read our guide on borrowing sensibly.

    Read the guide



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