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.

We offer an instant online decision on your loan application.

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 circumstances.

Who can apply

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

How to apply

Manage your loan

Paying off your loan early

Personal Loan

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month.

3.9% APR

  • Online
  • By telephone
  • Internet banking

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

Personal Loan

Personal Loan Calculator

Flexible Loan

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month

4.6% APR

  • In branch
  • 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.

Find out moreabout how to borrow more money

Borrowing options


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

Your options

Making sure you get a fair deal

We want you to find a product that's right for your circumstances which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.


Download the statement of responsibilities