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 a Police Officer to catch a criminal, or to send money to somebody you’ve met online but never in person. STOP. These are almost certainly frauds, and you may be about to become a victim. For help and support, please call our fraud team on 0800 096 8669.

Graduate loans

Our graduate loan can help you get your finances back in order after you've finished university.

Exclusive to TSB Graduate Account customers who have held their account for more than 3 months.

You can only apply for a Graduate loan in branch or by calling us on 0345 835 3861. You will be declined if you apply for a loan online.

Graduate loans overview

  • Borrow between £1,000 to £10,000
  • Personalised quotation with competitive APR
  • Choose your repayment term from 1 - 5 years
  • Defer your first repayment by up to 3 months
  • Option to take one repayment holiday twice a year for the life of the loan
  • View your loan online with our mobile app or Internet Banking


Please note interest will be charged if you take a break from your repayments or defer your repayments, so you will pay more interest overall.

Eligibility requirements

To be eligible for a TSB Graduate Loan, you need to:

  • hold a TSB Graduate Account and have banked with TSB for more than 3 months
  • be a permanent paid employee, self-employed or retired with a pension
  • be a resident of the UK
  • be over 18
  • be free of any county court judgments
  • satisfy us that you can afford to pay back the loan


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

Loans calculator

Get an idea of what a new loan could cost if you choose to take a second loan or refinance your existing one.


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

You can only apply for a graduate loan in branch or over the telephone.

If you’d like to arrange a convenient time to talk to us in branch about a loan simply click below to request an appointment.

Adobe digital forms

We have chosen Adobe to support us with our digital processes by using their ‘Adobe Sign’ software. 

Please be aware that Adobe are a separate data controller from TSB, and any personal data you provide will be sent to Adobe and processed in accordance with their terms and conditions of service. 

You may wish to read their Adobe Terms of Use and Consumer Disclosure before using the following link.

Alternatively to arrange a convenient time to talk to us about a loan over the phone.


Lines are open Monday to Friday 8am-6pm. Calls are charged at a local rate.

Borrow Well

If you are looking to borrow some money, read our guide on borrowing sensibly.

Read the guide

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