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Are you thinking of updating your kitchen, improving your homes energy efficiency, or creating extra space? If you’re looking for a home improvement loan, a Bank of Scotland Personal Loan could help you to transform your home.
You can apply online and get a decision within minutes. Find out how much you could potentially borrow using our Loan calculator. While the calculator will give an indication of monthly payments and APR, you can find out your personalised rate by logging in to Internet Banking.
If you decide to settle your Personal Loan early, we will charge up to 58 days' interest.
Deciding to borrow may not just depend on how much you need to repay each month, or how long it will take to clear the debt. Using our online borrowing options tool could help you decide which type of borrowing may be right for you.
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.
You can apply for a home improvement loan with us if you’re an existing Bank of Scotland customer with a Bank of Scotland Current Account (excluding Easycash) held for at least 1 month, are over 18 years old and are a UK resident with a permanent UK address (excluding the Channel Islands and the Isle of Man).