Loans calculator

See how much you could borrow with a Bank of Scotland loan over 1 to 5 years, using our loan calculator. Please note we do offer loans over 1 to 7 years when you 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 1 month, you can get a personalised quote and apply online. We offer an instant online decision on your loan application. You can also apply over the phone.

How much we lend and the rate available are subject to our assessment of your circumstances.

If you're looking to borrow money, it's important that you make the right choice for your circumstances. Bank of Scotland also have other borrowing options that may be suitable for your needs.

For some loans the illustrative APRs will be higher. Use the calculator to explore the cost of different loan amounts.

Personal Loan calculator


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

  • 3.9% APR Representative*
  • Apply online or over the phone.

* This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other loan amounts between £1,000 and £50,000 are available at different rates. If you qualify for a loan we'll tell you the rate that applies when you get your personalised quote.

Use the Personal Loan calculator

Flexible Loan calculator


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

* This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other loan amounts between £1,000 and £50,000 are available at different rates. If you qualify for a loan we'll tell you the rate that applies when you get your personalised quote.

Use the Flexible Loan calculator