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Top up your existing loan

If you already have a personal loan with TSB but want to borrow more, then you could apply for another loan, or top up the one you have.

How do I borrow more on an existing personal loan?

There are two main ways that you can apply to borrow more:

Option 1 Option 2

Combine your existing loan in a single payment

Keep your existing loan and take out a separate loan

Additional borrowing loan calculator

Before applying, you can get an idea of your rates and repayments by using our loan calculator. You can say how much more money you need or how much extra you can pay each month.

What you need to know about additional borrowing

  • The APR you’re offered depends on the amount you want to borrow, the length of the term, and your circumstances
  • A personalised quote will show you the rate you'll get if you are approved for the loan without affecting your credit score
  • If you refinance any existing debts, you may pay a higher rate of interest or make repayments over a longer term. This means that you may pay more interest overall

Find out more about our loans, including fees and charges, by visiting our FAQs page.

Who’s eligible to borrow more?

To apply for additional borrowing online, 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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Have an existing TSB Personal Loan (if you already have multiple TSB loans, you’ll need to apply in branch or over the phone)

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Hold the existing loan in your sole name (for joint loans, you’ll need to come into branch)

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Borrow a minimum of £1,000 (or £300 for TSB current account customers)

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Choose an additional loan or combine your existing TSB Loan and new borrowing (up to £50,000*)

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

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Satisfy us that you can afford to pay back the loan

How to apply

Apply online

If you already have a TSB personal loan and want to borrow a bit more, you can apply for this online.

How to apply

Make an appointment

If you'd like to talk to us over the phone or in branch, you can book an appointment for a time that works for you.

Important information

* To apply for a loan between £300 - £999 and 25,000 - £50,000 you need to hold a TSB current account.

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

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