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Personal Loans

Get your plans off the ground

Get your plans off the ground
With a Personal Loan, you can start turning your plans into reality. We offer loans from £1,000 to £20,000 to new and existing customers, so apply online today.

Whether you want to drive off in a new car, improve your home or refresh your finances our Personal Loan could help.

  • Rates from 4.3% APR Representative on loans from £7,500 to £15,000.

  • Pay back over 12-60 months (6 monthly intervals).

  • Fast decision - apply today using our secure and straightforward application form and you could get a decision in minutes.

  • Calculate your monthly repayments with our loan calculator.

  • Anyone who lives permanently in the UK, is aged 21 or over, has a bank or building society account with a Direct Debit facility can apply for a loan.

See our loan range

Loan amount APR
£1,000-£2,999 20.3%
£3,000-£4,999 13.9%
£5,000-£7,499 6.1%
£7,500-£15,000 4.3%
£15,001-£20,000 6.2%


Use our loan calculator to work out your monthly repayments

You could borrow £15,000 for less than £280 a month over 5 years

Our 123 Current Account and 1|2|3 Credit Card customers can take advantage of our low rate when borrowing up to £15,000.

Find out more



You can also apply in branch alternatively if you prefer to speak to somebody please call 0800 028 4055

General conditions

You must:

  • return your signed agreement within 28 days of your application

  • spread the repayments over 1 to 5 years (in 6 monthly intervals)

  • make sure you can afford the repayments before you enter into a loan agreement with us

  • make your repayments by Direct Debit.

If you apply online, we'll send you full Terms and Conditions when you apply, which you need to agree to, before returning your agreement.

We will always notify you in writing if your Terms and Conditions change. The documents below are the current versions.

Personal Loans Key Facts Document
Terms and Conditions and Important Information
Terms of Business

You can apply for a Personal Loan if you:

  • are at least 21 years old

  • are a permanent resident in the UK

  • have a regular gross annual income of at least £5,000

  • have a bank or building society account with a Direct Debit facility

  • have been not declared bankrupt, had a CCJ or an IVA (within the past 6 years).

Direct Debit mandate form 

Useful information to have when applying:

  • addresses for the past 3 years

  • employer's address and postcode

  • monthly income and expenditure

  • bank/building society details.

If you have a 1|2|3 Current Account or 1|2|3 Credit Card find out more about our personal loan before you apply:

Find out more



If you don't have one of the above accounts, you can apply for a personal loan below:

Apply now

Representative Example
APR Representative. Loan amount £10,000 for £185.32 per month over 60 months. Total amount repayable £11,119.20. Rate of interest per annum 4.3% fixed.


Your personal circumstances affect the rate we can offer you which may differ from the representative APR. We will do a credit assessment of your circumstances when you apply. Credit available subject to status. We reserve the right to refuse any application and to refuse a loan for certain purposes. Information and rates correct as at 25.07.2014.

Frequently asked questions

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