Loan Calculator

Our loan calculator gives you an idea of what the monthly loan repayments and total repayable might be for the amount you’d like to borrow over the chosen term. Whether you’re planning to buy a car, make some home improvements or consolidate your debts, TSB’s loan calculator lets you see the costs and rates of a loan based on your chosen term or borrowing amount.

It’s simple to use. Fill in how much you need to borrow and the proposed repayment period. If you apply, we’ll also need to know what the loan is for.

Borrowers must be UK residents only 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 offer is 39.9%, but we will tell you your personalised rate before you apply. The minimum repayment term is 1 year, the maximum repayment term is 7 years. For loans £300-£999.99 to minimum repayment term is 3 months, the maximum repayment term is 12 months.

Calculate your loan repayments

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

Already a TSB customer?

Get a quote

New to TSB?

Get a quote

 

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.

How to apply for a loan

 
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
Already a TSB customer?

If you’re an existing TSB customer it’s quicker to log in to get your quote and apply​.

Log in

New to TSB?

Please make sure you’ve chosen the loan you would like a quote for, using the calculator above​

Apply now

Apply over the phone

You can 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.

Apply in a branch

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.

Why choose a TSB loan?

  • Get a fast personalised quotation with a competitive APR without impacting your credit score 
  • Added flexibility with up to two non-consecutive, one-month repayment holidays every 12 months*.

* Repayment holidays are subject to approval. If you do decide to take a repayment holiday, interest will continue to be charged and the length of your loan will increase, meaning you’ll pay more interest.
 

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

TSB Personal Loans Winner of Moneyfacts Unsecured Loans Award for 2021

TSB Personal Loans Winner of Defaqto Unsecured Personal Loans Award for 2021

FAQs

If you’re wondering whether you should commit to a loan, our loan calculator can give an idea of what your monthly repayments will look like, as well as how much interest you could end up paying. 

Simply tell us how much you need to borrow and how long you plan to pay it back over.  

If you apply for a loan, we will need to assess your financial circumstances. This could affect the interest charged on the loan, as well as the amount of the monthly repayments. 

Our personal loans can be used for several reasons. These include: 

However, we do not accept loan applications for: 

  • Speculative ventures e.g. share purchase or gambling  

  • Illegal purposes, e.g. drug related activities or racketeering  

  • Business purposes  

  • Refinancing of a loan arranged through the Student Loans Company  

  • Purchasing or putting down a deposit on a property, timeshare or land  

  • Retaining property rights (e.g. to repay an existing mortgage in full or to pay ground rent or service charges)  

  • Savings  

  • Paying household bills 

How much you can borrow will depend on the type of loan you apply for, as well as your personal circumstances. 

We provide: 

  • Unsecured loans from £300 to £999, over 3-12 month loan terms 

  • £1,000 to £25,000, over 1-7 year loan terms 

  • £25,000 to £50,000, over 1-5 year loan terms. 

If you have had a TSB current account for more than three months, are over 18 and are a UK resident, you can apply for a TSB loan. You can apply online, in a branch or by calling us on 0345 835 3861. 

You can withdraw from your loan agreement in the first 14 days, starting on the day after the loan agreement.  

However, you must repay the total loan amount (the amount we paid into your account), as well as the daily interest charge, no later than 30 calendar days after notifying us of your withdrawal. This information can be found on the loan agreement. 

If you want to talk to us about withdrawing from your loan more than 14 days after you've signed your loan agreement, please call us on 0800 111 4166 or visit your local branch. 

We have a range of options available if you are struggling to make the monthly repayments for the loan, such as a payment holiday. Find out more about taking a Loan Repayment Holiday. 

You can repay your loan early at any time in full or part. We may charge you up to 58 days interest on any full settlement.

If you make any additional payments, we will use these to partially settle your loan. This means that you will continue to make your normal monthly payments, but the number of repayments and the amount of your final repayment may change. 

Other options

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