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Personal Loans

Unsecured loans for almost any purpose!

Buying a new car, making home improvements, planning
a fabulous holiday? Whatever the reason, a personal loan
from Clydesdale Bank can help make your dreams come true.


 
  • 8.9% APR typical – for loans over £7,500
  • Borrow up to £25,000 – other loan amounts available
  • Fixed interest rates – make budgeting easier as your repayments will never change
  • Unsecured loans – you don’t need to use your home as security
  • Choice of loan terms – from one to seven years
  • Early repayment options – with no hidden charges

Protect your payments
Our payment protection cover will meet your loan repayments if you can’t work

 

Apply now


Not a Clydesdale Bank customer?

Online applications available to existing customers only. If you are a new customer, please visit one of our branches to apply.
Find out about our great range of current accounts

Apply for your unsecured loan - online

It’s easy to apply for a personal loan online. We’ll usually let you know within one working day if your application has been accepted.

  • You must be aged 18 or over to apply

Apply now

Protect your loan repayments against the unexpected

  • Choose the simple, affordable way to protect your loan repayments
  • Protect against unemployment, accident or sickness and death
  • Free, independent and confidential advice

Could you afford your Personal Loan if your circumstances changed? Taking our optional Personal Loan Payment Protection Insurance means you’ll be able to continue to make your repayments even if you lose your job, or can’t work due to an accident or sickness. On approval of your Personal Loan, we will contact you by phone to discuss our Payment Protection Insurance.

How to apply for Payment Protection Insurance

  • Once you have applied for your personal loan the adviser will speak to you about protecting the loan with our insurance

What you get

Protection that gives you peace of mind

Protect your loan against the risk of accident or sickness, unemployment and death by taking out our optional Personal Loan Payment Protection Insurance (subject to terms and conditions).

Access to free, independent and confidential advice on coping with an accident or sickness, unemployment and getting back to work.

To enjoy the security and protection of Payment Protection Insurance, you must meet our eligibility criteria. You are eligible for this insurance if at the start date:

  • you are aged 18 years or over and under 64; and
  • you work at least 16 hours per week and have done so continuously for at least the last six months; and
  • you live in the UK; and
  • you are the first named on the loan agreement
  • you have not received any notification from your employer that your own job is at risk
  • your company or the company you are employed by, is not currently in or has not announced formally or informally it is going into administration, receivership or liquidation

If your Personal Loan application is approved we will contact you by phone usually within one business day to discuss our Payment Protection Insurance.

Payment Protection Insurance is arranged by Clydesdale Bank PLC, and is underwritten by Aviva Insurance UK Ltd and Aviva Life and Pensions UK Ltd. Details are available on request from any Clydesdale Bank branch. Terms and Conditions apply.

Telephone opening hours are 8am to 8pm Monday to Friday and 9am to 5pm on Saturday. For your security, calls may be recorded or monitored.

Summary Box
Key Information for our unsecured personal loans from £1,000 to £7,499

APR   Typical 20.9% APR

If your loan is successful, the interest rate you will pay is based on your personal circumstances and the amount you choose to borrow.
Interest rate ranges   Loan size range From % To % Representative APR
  £1,000-£2,999
£3,000-£4,999
£5,000-£7,499		 19.9%
18.9%
13.9%		 25.9%
25.9%
25.9%		 19.9%
18.9%
13.9%
Interest charging information   The APR is fixed for the life of the loan.
Interest is calculated on a daily basis and added to the loan at the outset. The total sum is then used to calculate your repayments.
Repayment information   Repayments must be made from a Clydesdale Bank account and can be weekly or monthly.
The first payment is due on the 7th day following drawdown in the case of a loan repaid weekly and between the 31st and 56th day following drawdown in the case of a loan repaid monthly. No payment holidays are permitted. The first payment may be deferred until the 14th day in the case of a loan repaid weekly and the 56th day in the case of a loan repaid monthly.
Repayment Period   The loan can be repaid over 1 to 5 years.
Amount of Loan available   Loans are available from £1,000 to £7,499 in increments of £250.
Application/Arrangement Fee   None.
Other Fees   None.
Default Fees   £20 for each letter from our Collections department, our Collections Agency or our Solicitors.
Early Settlement Fees   None.
Illustrative Example   Loan
amount

£1,000
£3,000
£5,000		 Representative
APR

19.9%
18.9%
13.9%		 Term months

36
36
36		 Monthly
repayment

£36.32
£107.67
£168.78  		 Total
payable

£1,307.42 £3,876.26
£6,076.14

Summary Box
Key Information for our unsecured personal loans from £7,500 to £25,000

APR   Typical 8.9% APR

If your loan is successful, the interest rate you will pay is based on your personal circumstances and the amount you choose to borrow.
Interest rate ranges   Loan size range From % To % Representative APR
  £7,500- £25,000 8.9% 25.9% 8.9%
Interest charging information   The APR is fixed for the life of the loan.
Interest is calculated on a daily basis and added to the loan at the outset. The total sum is then used to calculate your repayments.
Repayment information   Repayments must be made from a Clydesdale Bank account and can be weekly or monthly.
The first payment is due on the 7th day following drawdown in the case of a loan repaid weekly and between the 31st and 56th day following drawdown in the case of a loan repaid monthly. No payment holidays are permitted. The first payment may be deferred until the 14th day in the case of a loan repaid weekly and the 56th day in the case of a loan repaid monthly.
Repayment Period   The loan can be repaid over 1 to 7 years.
Amount of Loan available   Loans are available from £7,500 to £25,000 in increments of £250.
Application/Arrangement Fee   None.
Other Fees   None.
Default Fees   £20 for each letter from our Collections department, our Collections Agency or our Solicitors.
Early Settlement Fees   None.
Illustrative Example   Loan
amount

£7,500
£10,000
£12,500		 Representative
APR

8.9%
8.9%
8.9%		 Term
months

36
60
60		 Monthly
repayment

£237.11
£205.66
£257.07  		 Total
payable

£8,535.96 £12,339.34
£15,424.17


How to apply

Call 0845 60 33 241

(Monday - Friday 8:00am - 8:00pm, Saturday 9:00am - 5:00pm)

Please note, other rates will apply for applications made by telephone or in branch.

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