Instant Decision Loans for Other Amounts

Life is full of changes, so it’s good to know there’s help at hand. Whether you need to plan for home improvements, a new car or a wedding – or whether you just need a way to consolidate all your debts into one place – our personal loans can help you deal with change when it comes around.

If you’re an existing Bank of Scotland customer we can help you pay for the things you need with flexible loans from £1,000 to £25,000, repayable in affordable monthly instalments to suit your budget.

Flexible and affordable

• 9.9% APR representative for online personal loans
• Overpay as much as you want, when you want and we'll recalculate your interest*
• Borrow an amount to suit your needs, from £1,000 to £25,000.
• Repayment terms to suit your budget – from one to seven years
• Affordable monthly payments – regular fixed Direct Debit amounts for the period of the loan
• No arrangement fee

Fast and secure

• Secure online application – completing our form normally takes just 15 minutes.

Instant online decision

• Use our calculator (on the right) to work out your monthly payments. Simply enter the amount you need to borrow and the time you’d like to repay over.
• Apply online now for an instant personal loan decision.

Existing Bank of Scotland personal loan customer? See how you can top up your existing loan.

For key information on our loans for other amounts.

Please make sure you meet the criteria before applying for a Bank of Scotland Personal Loan.

To apply for a loan you must:

• Be an existing Bank of Scotland customer
• Be over 18
• Be in paid employment
• Not be in full time education
• Have a bank/building society account
• Have a permanent UK address
• Not have been declined credit in the last month
• Not have a history of bad credit such as arrears, county court judgements (CCJs), default or bankruptcy

You will also need handy:

• Your address details including your postcode for the last 3 years.  And if this is a joint application your partner's address details, if different
• Your bank/building society details
• Your annual income and monthly outgoings such as rent or mortgage payments
• Your employer's name and address