New Fix and Flex loan

Our lowest rate. 2.9% APR representative for loans between £7,500 and £25,000 for 1-5 years

At TSB we understand that no-one can really predict what the future holds. So we created a loan to help everyone borrow well, whether they're a TSB customer or not.

You could:

  • Take a break with up to two one-month repayment holidays every year* 
  • Pay more whenever you want so you can pay off your loan quicker**
  • Get the money today, or the next day if you don't bank with us*** 


  • Fixed monthly payments over 1-5 years
  • Get a quote in minutes, and a decision in under 30 seconds
  • Personalised quote without affecting your credit rating
*Repayment holiday is subject to approval. If you take a repayment holiday you may pay more interest overall
**Early settlement charges could apply
***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.


Get a quote and apply


Subject to status and lending criteria

defaqto logo Our TSB Personal Loans have been given a 5 star rating by independent financial research and software company Defaqto.  

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

This calculator gives you an illustration of what the monthly repayments and total repayable might be for the amount you want to borrow over your chosen term. Lending is subject to status and the actual rate offered will depend on your personal circumstances.

Representative Example:

I need to borrow:

£ 1,000 £ 25,000
You can only borrow between £ 1,000 - £ 25,000

And pay it back over:


Monthly repayment


Total repayable


Annual interest rate (fixed)


Help Text

APR representative

‘Britain’s best loan’ - based on TSB internal research and rated 5 star by Defaqto, 02 March 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. 

Get a quote and apply

(Even if you're not a TSB customer)

Get a quote and apply

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Other ways to apply

By phone

0345 835 3861

Lines are open Monday to Friday 8am-6pm and Saturday 9am-2pm. Closed Sundays.

In branch

If you’d like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on 0345 835 3843 (lines are open 24 hours a day, seven days a week).