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A decision you can read
Personal Loan
Borrow between 1,000 and 50,000 over one to seven years. The quote shows the full schedule before you apply, and the decision — approved or declined — shows the factors that produced it, in plain language.
from 8.9%
representative APR
Rates & fees
- Interest rate
- from 8.9% rep. APR
- Arrangement fee
- 1.0% of advance
- Early settlement (yr 1)
- 1.0% of balance
- Early settlement (after)
- Free
- Missed payment
- 15.00
What you get
The schedule first
An indicative quote with every repayment, the total cost and the APR — before any application exists.
Reasons, not references
Approved or declined, the factors behind the decision are listed in plain language, not a code.
Overpay freely
Overpay any time and settle early with a payoff figure quoted to the day, free after month twelve.
Fair allocation
Every repayment is allocated fees, then interest, then principal — the order that costs you least.
Who can apply
The headline criteria, stated plainly. Full eligibility is confirmed during the application itself.
You will need
- Aged 18 or over
- Twelve months of address history
- A regular, verifiable income
- An ICB Everyday Current account for drawdown and repayments
How it goes
Apply online
About ten minutes, from any device. Save part-way and come back whenever you like.
Verify your identity
A photo of your ID and a short liveness check, reviewed within one business day.
Start using it
Your product is opened and ready the moment verification clears — no branch visit.
Questions, answered
Will the quote affect my credit score?
No. The indicative quote is computed without a credit-file search. A full search happens only when you submit an application, and you are told before it does.
What does “representative APR” mean here?
At least 51% of customers accepted for this loan receive 8.9% APR or better. Your personal rate depends on the amount, the term and your circumstances — and is quoted before you commit.
Can I repay early?
Any time. Request a payoff quote and you get the exact settlement figure for that day. After twelve months there is no early-settlement charge at all; in the first year it is 1.0% of the outstanding balance.
Open an account in under ten minutes
Verify your identity, choose your currency, and start moving money the same day.
Get started