Our loans are a flexible way to bring your plans to life. Whether you're thinking of a new car, some work around the house or just reorganising your finances. Apply online and you could have the money in your account instantly*.
Features & Benefits
Our responsibility to you
We'll never encourage you to borrow more than you can afford. We have lots of advice and guidance to help you get it right.
If you've held a TSB current account for more than 3 monthsYou 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)
Yes, you can
or over the phone on 0345 835 3861.
If you've held a TSB current account for more than 3 months
The funds will be transferred to your bank account immediately between the hours of 9:00am and 8:30pm, or before 9am the following day outside these times.
If you're not a TSB customer / have not held a TSB current account for more than 3 months
You will receive your loan in 2 working days.
We provide personal loans for a term of between 1 and 7 years and Graduate Loans for between 1 to 5 years.
You can repay your loan early in full or part. To repay your loan early in full,
including when you wish to refinance your existing loan, please contact us on
0800 111 4166 or visit us in Branch. We will arrange to send you a settlement
balance. This is the amount you will need to pay to close your loan and is
different to the current outstanding balance. Please note, we may charge
you up to 58 days' interest on any full settlement you make.
If you make any
other additional payments, we will use these to partially settle your loan. This
means you will continue to make your normal monthly payments, but the
number of repayments and the amount of your final repayment may change.
The interest rate of your loan is personal to you and will depend upon a number of factors including the amount borrowed, the term of the loan and your personal circumstances. To find out how much your loan will cost you can get a personalised quote, which won't affect your credit rating. This puts you under no obligation to proceed with the loan but will enable you to see how much you can borrow and what it may cost.
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 Graduate loans, we provide loans from £1,000 up to £10,000.
For information about your loan application, please call us on 020 3284 1578. This number is available from 6am - 11pm Monday to Fridays, from 8am - 5pm on Saturdays and from 9am - 5pm on Sundays.
Before we can give you a decision, there are a few things we need to discuss with you. If you’ve held a TSB current account for more than 3 months please call 0800 111 4170 (8am to 10pm Monday to Sunday), otherwise please contact us on 0345 835 3861 (8am to 10pm Monday to Friday, 8am till 6pm at weekends) and we should be able to let you know within 10 minutes. Calls may be recorded.
Customers must not have been declared bankrupt or have a County Court Judgement. All other customers who meet the eligibility criteria are entitled to apply. TSB completes a credit search for each new application made to enable us to give a credit decision.
Our Personal Loans are available to customers who are employed for 16 hours or more per week, or retired with a pension.
The monthly repayment cost of a loan will depend upon the amount borrowed, the term of the loan and the interest rate. To find out how much your monthly repayment will be you can get a personalised quote which won't affect your credit rating. This puts you under no obligation to proceed with the loan but will enable you to see how much you can borrow and what it may cost.
If you applied for a Loan online, you'll find details of your Loan on Internet Banking.
If you have applied for a Loan in Branch or by phone, you can visit a
or call us on 0345 835 3861.
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).
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
to find out the details.
Your loan repayments are taken monthly by Direct Debit from your nominated current account. If you need to change the account we take the funds from, please call us on 0345 835 3861.
Additional payments can be made electronically into the loan account from your TSB current account using internet banking, or by sending a payment to:
Sort code : 77-48-32
Account number : 90000760
and using your loan number as the reference.
These are credited in line with payment timescales.
for more information. Remember repayments made this way may take up to 48 hours to appear on the loan statement after we receive the payment, but we'll reduce the interest you'll pay from the day we receive it. There is no charge for making additional payments to a loan.
Do your banking wherever you are with secure online banking services.
Download our app
Bank online 24/7 using our Internet Banking website or our mobile app.
Bank over the phone 24/7 using our automated service - call
03459 758 758.
Find your nearest branch or cash machine using our Branch Locator tool.