Debt Consolidation Loans

If you're paying off personal loans, credit or store cards, our flexible loan offers an easy way to combine your debts and manage them all in one place.

We call it borrowing well because it puts you in control, with just one monthly payment.

I want to:

I currently owe:

£
£1,000 £25,000
You can only borrow between £1,000 and £25,000.

My monthly payments are:

£
£100 £700
You can only enter a figure between £100 and £700.

And I can pay additional:

£per month
£0 £700
You can only enter a figure between £0 and £700.

And I want to pay over:

  months
12 84
Repayment term must be between 12 and 84 months.

And I want to borrow an extra:

£
£0 £0
The additional amount you wish to borrow is too large
Borrowing more for example by increasing your term may increase the total interest you pay. You may incur fees from your current provider by paying off your existing finance products early. Please check with them before you apply for a new loan so that you understand all the costs involved.

Reducing your monthly repayment for example by increasing your term may increase the total interest you repay. You may incur fees from your current provider by paying off your existing finance products early. Please check with them before you apply for a new loan so that you understand all the costs involved.

You may also pay your debt off sooner and / or save more interest overall by overpaying with your existing provider. You may incur fees from your current provider by paying off your existing borrowing early. Please check with them before you apply for a new loan so that you understand all the costs involved.

Borrowers must be UK residents and aged 18 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.

Features

  • A personalised quote that won't affect your credit rating
  • Make overpayments when you want
  • Fixed monthly repayments on a date to suit you
  • Pay back your loan between one and seven years
  • Up to two repayment holidays each year. Interest will be charged if you take a break from your repayments or defer your payments, so you will pay more interest overall. Subject to approval

There's lots of helpful information and tips on managing money at  www.moneyadviceservice.org.uk, and you can check your credit file for free at  www.noddle.co.uk.

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

How to apply

 
To be eligible for our personal loan, you must:
  • be 18 or over
  • be a resident of the UK with no history of adverse credit
  • have had a TSB bank account for more than 3 months
  • make repayments by Direct Debit
  • be a permanent paid employee, self-employed or retired with a pension
  • Satisfy us that you can afford to pay back the loan

To apply for a loan you need to have held a current account with us for more than 3 months. You must be 18 or over and a UK resident.

Apply online

You’ll need your internet banking credentials to log in and apply.

Apply now

Apply over the phone

Lines are open Monday to Friday 8am-6pm and Saturdays 9am-2pm.

Find a branch and apply for a loan in person.

Taking control of your finances

If you're finding it difficult to repay your debts, check out our guides below, read our  'Getting on top of your finances' brochure, come and talk to us in branch or give us a call. We'd be happy to help.

New car finance: loans and leases explained

26 February 2019 | BLOG POST

Whether you’re looking for a top of the range sportscar or a reliable city run-around, buying a new car is exciting. Yet choosing the best way to pay for it can be confusing. Here, we give you the facts on some of the most popular ways to finance a new car.

See more stories

Mortgage brokers versus direct - which is better?

26 April 2018 | BLOG POST

See more stories

The true price of payday loans

19 March 2018 | BLOG POST

See more stories

Visit

Visit

Find your nearest branch or cash machine using our Branch Locator tool.

Find branches