Personal Loans

Steady pace or speed up? You choose with our Flexible Loan. With the option to pay back early, you’re fully in control. Lending is subject to status. Find out more.

Existing Bank of Scotland customers looking to borrow money can get a loan from £1,000 to £25,000 with fixed repayments over 1 to 7 years.

Loyalty reward

For Bank of Scotland customers who have held a current account for 5 years or more and borrow between £7,500 and £25,000, a 0.7% discount will be applied at the start of the loan.

  • 4.2% APR representative (including loyalty discount) available from £7,500 to £15,000 over 1 to 5 years
  • Overpay as much as you want, when you want
  • Apply for and manage your loan in branch, over the phone or online
  • Instant decision when you apply online
  • Fixed loan repayments over 1 to 7 years
  • No charge to pay off your loan early

Borrow more

If you're an existing Bank of Scotland loan customer, and your needs have changed, you could apply to borrow more money at any time.

>Find out more

Graduate loan

Get your finances back in order after graduating. Existing Bank of Scotland Graduate account holders can borrow between £1,000 and £10,000 for up to 5 years.

>Find out more

We subscribe to The Lending Code.
Personal loans are unsecured and subject to status, UK residents, aged 18 or over.

Quick Loan Calculator

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(Between £1,000 and £25,000)

Borrowing options

If you are looking to borrow money it is important that you make the right choice for your circumstances.

 Your borrowing options