Loans calculator

See how much you could borrow with a Bank of Scotland personal loan over 1 to 5 years, using our loan calculator. Please note we do offer loans over 1 to 7 years, log in to receive your personalised quote.

If you’re an existing Bank of Scotland customer with a Bank of Scotland bank account (excluding Easycash) held for at least 3 months, you can get a personalised quote and apply online. You can still get a quote and apply if you have credit card, mortgage or loan with us. Find out how.

A decision to offer you a loan is based on your individual circumstances.



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12 months

60 months

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Monthly repayments


Total amount repayable


Representative APR



Our loan features

  • From £1,000 to £25,000
  • Overpay
  • Over 1 to 7 years
  • Fixed repayments
  • Quick, easy and secure


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Current account customers registered for Internet
Apply now
Current account customers not registered for Internet Banking

Find out more

Other amounts

(because of interest rates it can sometimes cost less to borrow more)

Representative example

You could borrow £6,000 over 48 months with 48 monthly repayments of £150.67. The total amount repayable will be £7,232.16. Representative 9.9% APR, Annual interest rate (fixed) 9.48%.