• 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. 


    3.2% APR representative for loans between £7,500 to £15,000 for 1-5 years.

    • A personalised quote without affecting your credit rating - even if you're not a TSB customer
    • You can get the money in your account today. Or the next day, if you don't have a current account with us.*


    *The money will be in your account the same day if you have held a TSB current account for more than 3 months and your application is approved before 8pm. Next day payment applies to all other customers approved before 8pm Sunday to Friday (excluding bank holidays). Branch and online applications only.

    • Pay your loan back over 1-7 years
    • Flexible - 2 repayment holidays per year & overpayments allowed. Repayment holiday is subject to approval. If you take a repayment holiday you may pay more interest overall
    • Fixed monthly payments so you always know where you stand
  • Loan Calculator

  • Representative Example:

    I need to borrow:

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

    And pay it back over:

    Loading results

    £0

    Monthly repayment

    £0

    Total repayable

    0%

    Annual interest rate (fixed)

    0%

    APR representative

    • Amount to borrow
    • Interest
    Start your application
  • No bank offers a better loan (based on Defaqto scoring, 5th September 2016).

    Please note: Borrowing is subject to status and lending criteria. The loan amount and rate we offer may differ as it will depend on our assessment of your personal circumstances.

  • Personal loan FAQs

  • If you've held a TSB current account for more than 3 months
    You can apply online, in branch and by phone on 0800 111 4170. You must be 18 or over and a UK resident (over 21 to apply online if you do not hold a TSB current account)

    If you're not a TSB customer/have not held a TSB current account for more than 3 months 
    You can apply online, in branch and by phone on 0345 835 3861. You must be 18 or over and a UK resident (over 21 to apply online)

    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.

    • 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
    • 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
  • Borrow Well

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

    Read the guide

  • Please note: Borrowing is subject to status and lending criteria. The loan amount and rate we offer may differ as it will depend on our assessment of your personal circumstances

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