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Personal loans

Whether it's for something special, or absolutely essential, our 5-star rated personal loans could be what you need.

Our lowest rate: 5.9% APR representative for loans between £7,500 and £25,000 for 1 - 5 years.


Benefits of a TSB personal loan

Get your money today
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It takes just 2 minutes to get a quote and you could have the money on the same day.*

Flexible payment options
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You can choose to overpay your loan or apply for a repayment holiday**, if you need it. Subject to approval.

Know your rate before you apply
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We’ll give you a personalised quote without affecting your credit score.

Moneyfacts 5 star unsecured personal loan logo
Defaqto 5 star unsecured personal loan

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Our lowest rate is just 5.9% APR representative for loans between £7,500 and £25,000 for 1 - 5 years.

The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.


To apply for a loan, you'll need to:

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Be a UK resident

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Be over 18, or over 21 if you apply online

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Be employed or have a regular income

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Earn at least £850 per month after tax

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Not have any recent CCJs, Credit Defaults or Bankruptcies, and be up to date with any TSB debts

How do I apply?

Already a TSB customer?

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Log in, and we'll auto-fill your details

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Use the loan calculator to see how much your loan could cost

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Get a personalised quote to see your rates without impacting your credit score before applying

How do I apply?

Not a customer?

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Use the loan calculator to see how much you could afford to borrow

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Give us a few details so we can offer a personalised quote without impacting your credit score

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See your rates and apply for a loan


If you prefer to apply in branch or through telephone banking, you can book an appointment in advance.

Borrow well

If you’re looking to borrow money, read our guide to borrowing sensibly.

Fraudsters will often try to trick you into taking out a loan

If you’re applying today: to make an investment, to help the National Crime Agency or the police to catch a criminal, or to send money to someone, even someone you know, STOP!

These are common frauds and you may be about to become a victim. For help and support, please call our fraud team on 0800 096 8669.

Any questions?

If you’re over 18, a UK resident; and have had a TSB current account for more than three months, you can apply online, in a branch or by calling us on 0345 835 3861.

If you haven’t had a TSB current account for more than three months, or are completely new to TSB, you can still apply for a loan with us. You will need to be a UK resident. If you are aged 18 or over you can apply in branch or by calling us on 0345 835 3861. You can also apply online if you are over 21.

Please note that we do not accept loan applications for:

  • Speculative ventures e.g. share purchase or gambling
  • Illegal purposes, e.g. drug related activities or racketeering
  • Business purposes
  • Refinancing of a loan arranged through the Student Loans Company
  • Purchasing or putting down a deposit on a property, timeshare or land
  • Retaining property rights (e.g. to repay an existing mortgage in full or to pay ground rent or service charges)
  • Savings
  • Paying household bills

These purpose exclusions apply whether the customer is looking to borrow money on their own behalf or to support a third party, e.g. a parent wishing to borrow money to provide a child with a property deposit must be declined.

Find out about personal loan repayment holidays and if you are eligible on our loan repayment holiday page.

The amount you can borrow with a personal loan will depend on your personal circumstances, however we provide unsecured loans from £300 to £999, over 3-12 month loan terms, £1,000 to £25,000, over 1-7 year loan terms, or £25,000 to £50,000, over 1-5 year loan terms. We also offer Graduate Loans from £1,000 to £10,000, over 1-5 year loan terms.

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 (8am to 6pm Monday to Friday, 8am to 2pm on Saturday. Closed Sundays) or by sending any notice to TSB Bank plc, PO Box 453, Mitcheldean, GL14 9LR.

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. You may be able to request a payment holiday. Find out more about taking a Loan Repayment Holiday.

  • 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

There may be lots of different reasons you might need to bank with us differently, either in the short term, or on a continuing basis. It could be because of your physical or mental wellbeing, or because of a life event you’ve experienced. Whatever the reason, we are committed to tailoring our support to your personal needs.

If you choose to tell us about your individual support needs, we will take the time to understand your circumstances and work with you to make sure you have the support you need when banking with TSB. We can add a Support Indicator to your account, which means whenever you talk to us, we'll be aware that you may need tailored support.

Find out more about how we can support you.

Important information

*If you’ve held a TSB current account for more than 3 months and are approved before 6pm. Or the next day if not (excluding Sundays and bank holidays). Lending is subject to approval and the actual rate offered will depend on our assessment of your personal circumstances.

**Early settlement charges may apply if you pay off your loan in full. With a repayment holiday, the term of your loan will increase, meaning you may pay more interest.

The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.

TSB adheres to The Standards of Lending Practice which are monitored and enforced by the LSB:

To read more about our lending commitments to you, please click here to read the leaflet.