TSB personal loan: borrowing made easy, fair and built around you

TSB personal loan gives you a smart, low-cost way to borrow from £300 up to £50,000. With rates from 5.9% APR, flexible repayments, and quick decisions.

TSB personal loan is designed to do one thing well—help you borrow what you need, when you need it, without hassle. Whether you’re fixing the roof, clearing out old debts, or finally taking on that kitchen project, this loan gives you room to breathe and pay on your own terms.

Let’s break it all down: how it works, how to apply, what to watch out for—and the little things most people don’t know but should.

LOANS

TSB personal loan

Low-rate loan Fast approval

APPLY NOW You will be redirected

📌 How it works – a practical guide

Everything starts with choosing how much you need—TSB personal loan allows you to borrow from £300 to £50,000. The repayment length depends on the loan size:

• £300 to £999: repay in 3 to 12 months
• £1,000 to £25,000: terms between 1 and 7 years
• £25,001 to £50,000: repay within 1 to 5 years

💡 The interest rate is fixed, so your monthly payment stays the same. If you borrow between £7,500 and £25,000, you’re likely to get the 5.9% APR representative rate—TSB’s most competitive offer.

Once approved, you’ll usually get the money in your account the same or next working day.

💡 Tips to save money (that no one tells you)

✅ Overpay early when you can
Put extra cash toward your loan—interest drops, and you finish sooner. Just check if a final charge might apply.

✅ Choose the shortest realistic term
Less time = less interest. If you can handle slightly higher monthly costs, it’s worth it.

✅ Use payment breaks wisely
You’re allowed two per year, but use them carefully—interest keeps building.

✅ Change your repayment date if needed
TSB allows this to match your payday or budget better.

💰 Maximise your TSB personal loan value

This isn’t just about rates—it’s about flexibility too:

• 🔁 Two repayment holidays a year
• 🚫 No fees for overpayments
• 🔒 Fixed rates—no surprises later
• 🧮 Clear quote upfront
• 📱 Manage everything online or via the app

🔍 Alternatives and comparisons

Wondering how it compares to others? Here’s a quick table:

TSB personal loan stands out with its repayment flexibility and low starting rate. Others might be worth considering if early full repayment with zero fees is your priority.

👥 Who’s eligible – Requirements to qualify

To apply, you must:

• Be 18 or older
• Live in the UK
• Have a UK bank account
• Show a steady income
• Pass a soft credit check

🟢 TSB personal loan is more focused on your affordability and less on perfection—so even with minor credit history issues, you could qualify.

📝 How to apply – Step-by-step process

1. 🎯 Use the online tool to pick your loan
2. ✍️ Fill in your income and details
3. 🔍 Get your quote with no credit impact
4. 📩 Review the offer
5. ✅ Accept digitally
6. 💸 Funds land fast—often same day
7. 📲 Manage via the TSB app or online

❓ FAQ – the not-so-obvious bits

Can I pay it off early?

Yes. But expect up to 58 days of interest if you clear the full amount too soon.

Do breaks hurt my credit score?

Nope. If agreed properly, repayment holidays won’t harm your file.

Can I change dates or loan terms later?

You can shift the payment date. But loan terms are locked after approval.

Can I borrow again while paying off one?

Maybe—you’ll need to apply again and be reassessed.

Is it only for online users?

No. You can go in-branch or call, if that’s easier for you.

✅ Simple, solid, and fair

The TSB personal loan is a smart choice for anyone needing reliable borrowing. It won’t suit ultra-short terms or those who hate any kind of exit charge—but for most people, it strikes a solid balance.

It’s fast. It’s fair. And it gives you flexibility without overcomplicating things. From same-day funds to manageable payments and a few “just-in-case” features, it’s clearly built for modern life.

👉 Curious? See your personal rate now—it only takes two minutes, and there’s no impact on your credit.

LOANS

TSB personal loan

Low-rate loan Fast approval

APPLY NOW You will be redirected