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*.
If you've held a TSB current account for more than 3 months
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
and by phone on 0345 835 3861. You must be 18 or over and a UK resident (over 21 to apply online)
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.
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.
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 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.
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
Additional payments can be made directly to your 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.
and using your loan number as the reference. This can be found on your statement.
These are credited in line with our
. 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.
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
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.