New Fix and Flex loan

Our lowest rate. 3.2% APR representative for loans between £7,500 and £25,000 for 1-5 years

At TSB we understand that no-one can really predict what the future holds. So we created a loan to help everyone borrow well.

You could:

  • Take a break with up to two one-month repayment holidays every year* 
  • Pay more whenever you want so you can pay off your loan quicker**
  • Get the money today*** 


  • Fixed monthly payments over 1-5 years
  • Get a quote in minutes, and a decision in under 30 seconds
  • Personalised quote without affecting your credit rating
Monaco home improvement

Subject to status and lending criteria

*Repayment holiday is subject to approval. If you take a repayment holiday you may pay more interest overall
**Early settlement charges could apply
***The money will be in your account the same day if you have held a TSB current account for more than 3 months and your application is approved before 8pm. Next day payment applies to all other customers approved before 8pm Sunday to Friday (excluding bank holidays). Branch and online applications only.

Loan Calculator

This calculator gives you an illustration of what the monthly repayments and total repayable might be for the amount you want to borrow over your chosen term. Lending is subject to status and the actual rate offered will depend on your personal circumstances.

Representative example:

I need to borrow: Help Text
£ 300 £ 50,000
You can only borrow between £ 300 - £ 50,000
You can only borrow between £300 - £50,000
And pay it back over:
1 year 7 years

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. 

Existing Customers

UK residents only. Borrowers must be 18 years or older.

If you’d like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on 0345 835 3843 (lines are open 24 hours a day, seven days a week).