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Graduate loans

Our graduate loan can help you get your finances in order after finishing university.

Our lowest rate is 12.9% APR representative for loans between £5,000 and £10,000 for 1 - 5 years. Subject to approval.

Benefits of a graduate loan

Choose your amount

Apply for a loan between £1,000 and £10,000

Choose your term

Repayment terms from 1 to 5 years

Know your rate

We'll let you know your rate before you apply

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

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Have had a TSB graduate account for at least 3 months

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Be a UK resident

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Be over 18

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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 for a graduate loan?

To apply for a graduate loan, you’ll need to visit us in branch or call us on 0345 835 3861.

Book a time with us that works for you.

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?

The interest rate you’ll get depends on 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 maximum amount you can apply for with a graduate loan is £10,000.

To apply for a graduate loan, you’ll need to be over 18, a UK resident and be employed or have a regular income.

We carry out credit checks, and you’re unlikely to be approved if:

  • You earn less than £850 a month after tax 
  • Have been declared bankrupt, had County Court Judgements, been subject to an Individual Voluntary Arrangement in the last 6 years 
  • Or missed payments on any borrowing

Important information

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.