• Personal loans

    Fix and Flex

    Britain's best loan.

    At TSB we understand that no-one can really predict what the future holds. So we created Britain's best loan to help everyone borrow well.

    Our lowest ever rate: 2.8% APR representative for loans between £7,500 and £25,000 for 1-5 years.
    • Take a break with up to two one-month repayment holidays every year. Repayment holiday is subject to approval. If you take a repayment holiday you may pay more interest overall
    • Pay more whenever you want so you can pay off your loan quicker. Early settlement charges could apply
    • Get the money today, or the next day if you don't bank with us*
    • Personalised quote without affecting your credit rating
  • *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.

  • Family together

    Now with £50 of added plusness

    Because we believe that the more you put into a partnership the more you should get back, we give our Plus account customers £50 cashback as an extra bit of plusness, to say thank you when they take out Britain’s best loan.

    No wonder we have been awarded a 5 Star rating by Defaqto and are Britain’s most recommended high street bank.☨

    We’ll pay Cashback for one Personal Loan when you apply directly to TSB between 1 August and 30 September 2017. We won’t pay Cashback if you apply through a price comparison website or if you apply for a Buy Now Pay Later, Graduate or Staff loan. The loan must be paid to you by 4 October 2017. And not have been closed within the 14 day Right to Withdraw. More terms and conditions apply.

    ☨ Source: BDRC Customer Advocacy (NPS) Benchmark. Based on 23,000 consumers surveyed in Q4 2016 and Q2 2017

  • 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


    Monthly repayment


    Total repayable


    Annual interest rate (fixed)


    APR representative

    • Amount to borrow
    • Interest
    Start your application
  • Britain’s best loan - based on TSB research and rated 5 Star by Defaqto, 5 June 2017.

    Borrowers must be UK residents and aged 18 or over, or if you apply online and have not held a TSB current account for more than 3 months, you need to be aged 21 or over. Lending is subject to status and actual rate offered will depend on our assessment of your personal circumstances.

    The maximum APR we might offer is 30.0%, but we will tell you your personalised rate before you apply.


  • 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



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