Our loan calculator gives you an idea of what the monthly loan repayments and total repayable might be for the amount you’d like to borrow over the chosen term.
If you've been with TSB for 3 months or more and are approved before 6 pm (excluding Sundays and bank holidays).
Take a break from repayments
Two non-consecutive, one-month repayment holidays every 12 months. Subject to approval. The length of your loan will increase, meaning you may pay more interest overall.
Pay more whenever you want
This could reduce the amount you pay overall. Early settlement charges may apply if you pay off your loan in full.
Please note that your specific rates and repayments may vary, lending is subject to approval, and the rate offered will depend on our assessment of your circumstances as well as the loan amount and term.
The calculator rounds payments up/down, so the amount of the monthly repayment may differ slightly (by pence) and the total amount repayable may differ (by up to £8) to the amounts provided during the application.
You can use a loan for
You can’t use a loan for
What you need to apply
Be a UK resident
Be over 18, or over 21 if you apply online
Have a regular income
Earn at least £850 per month after tax
Not have any recent CCJs, Credit Defaults or Bankruptcies, and be up to date with any TSB debts
Using this loan to invest?
If someone has suggested you use a loan to invest in cryptocurrency, even if it's someone you trust, it's likely to be a scam. You could lose your money and still need to repay the loan. Please speak to Action Fraud.
Already a TSB customer?
It's quicker to log in to get your quote and apply.
Please make sure you've chosen the loan you would like a quote for, using the calculator above.
If you prefer to apply in branch or through telephone banking, you can book an appointment in advance.
* Repayment holidays are subject to approval. If you do decide to take a repayment holiday, interest will continue to be charged and the length of your loan will increase, meaning you’ll pay more interest.
Find out more about our loans, including fees and charges, by visiting our FAQs page
If you’re wondering whether you should commit to a loan, our loan calculator can give an idea of what your monthly repayments will look like, as well as how much interest you could end up paying.
Simply tell us how much you need to borrow and how long you plan to pay it back over.
If you apply for a loan, we will need to assess your financial circumstances. This could affect the interest charged on the loan, as well as the amount of the monthly repayments.
Our personal loans can be used for several reasons. These include:
However, we do not accept loan applications for:
How much you can borrow will depend on the type of loan you apply for, as well as your personal circumstances.
If you have had a TSB current account for more than three months, are over 18 and are a UK resident, you can apply for a TSB loan. You can apply online, in a branch or by calling us on 0345 835 3861.
You can withdraw from your loan agreement in the first 14 days, starting on the day after the loan agreement.
However, you must repay the total loan amount (the amount we paid into your account), as well as the daily interest charge, no later than 30 calendar days after notifying us of your withdrawal. This information can be found on the loan agreement.
If you want to talk to us about withdrawing from your loan more than 14 days after you've signed your loan agreement, please call us on 0800 111 4166 or visit your local branch.
We have a range of options available if you are struggling to make the monthly repayments for the loan, such as a payment holiday. Find out more about taking a Loan Repayment Holiday.
You can repay your loan early at any time in full or part. We may charge you up to 58 days interest on any full settlement.
If you make any additional payments, we will use these to partially settle your loan. This means that you will continue to make your normal monthly payments, but the number of repayments and the amount of your final repayment may change.
The representative APR is the Annual Percentage Rate of charge. You can use it to compare the overall cost of credit between different lenders.
TSB adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.
To read more about our lending commitments to you, please click here to read the leaflet.
TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no. SC95237.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.
Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Not all telephone banking services are available 24/7.
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