Existing Bank of Scotland customers looking to borrow money can get a loan from £1,000 to £50,000 with fixed repayments over 1 to 7 years.

Personal loans are unsecured and available to UK residents, aged 18 or over. How much we lend and the rate available are subject to our assessment of your circumstance

Who can apply

APR Representative available on loans from £7,500 to £25,000 over 1 to 5 years*

Manage your loan

Paying off your loan early

Online Exclusive Loan

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month. You must be registered for Internet Banking.

3.6% APR

  • Internet banking

If you make an early settlement we may charge up to 58 days' interest.

Online Exclusive Loan

Online Exclusive Loan Calculator

Flexible Loan

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month, or a mortgage, credit card or loan

4.6% APR

  • Internet banking
  • Branch
  • Telephone

No charge to pay off your loan early for Flexible Loan customers.

Flexible Loan

Flexible Loan Calculator

*Other loan amounts between £1,000 and £50,000 are available at different rates.

Borrow more


If you already have a Bank of Scotland loan and you need to borrow more, you can apply at any time.

Graduate loan


Existing Bank of Scotland Graduate account holders could borrow between £1,000 and £10,000 for up to 5 years.

Borrowing options


Loan, credit card or overdraft? If you are thinking about borrowing it’s important you make the right choice for your circumstances.

Financial Services Compensation Scheme


FSCS logo

Speak with an adviser


To speak to an adviser in branch, you'll need to book an appointment.

Request an appointment

You will not be able to apply for or manage the Online Exclusive Loan in branch.