Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Existing Loan Customers
As an existing Bank of Scotland Loan customer, you can apply for more money at any time.
Is a personal loan the right option for you?
When borrowing money, you need to make the right choice for you and your circumstances. Other borrowing options may be more suitable.
Representative Example
You could borrow £10,000 over 48 months with 48 monthly repayments of £237.16. Total amount repayable will be £11,383.68. Representative 6.7% APR, annual interest rate (fixed) 6.5%.
This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR you could be offered is 29.9% APR.
The representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range.
Options for borrowing more
Paying it back - what you need to know
Managing your loan - it's easy to keep track of your loan using Internet Banking or the Mobile Banking app. You can also phone us or visit us in branch.
Repayment holidays - you can apply for up to two repayment holidays of 1 month in a rolling 12-month period, if approved. Interest will still be charged for the months that you don’t make any payments, so you'll pay more interest overall and your original term will be extended.
Make further payments with no extra charge.
