Personal Loans from £7,000 to £15,000

Life is full of changes, so it’s good to know there’s help at hand. Whether you need to plan for home improvements, a new car or a wedding – or whether you just need a way to consolidate all your debts into one place – our personal loans can help you deal with change when it comes around.

If you’re an existing Bank of Scotland customer we can help you pay for the things you need with flexible loans from £7,000 to £15,000, repayable in affordable monthly instalments to suit your budget.

Flexible and affordable
• 11.5% APR typical for online personal loans (rates vary from 10.5% APR to 17.0% APR depending on your personal circumstances).
• Borrow an amount to suit your needs, from £7,000 to £15,000.
• Repayment terms to suit your budget – from one to seven years.
• Affordable monthly payments – regular fixed Direct Debit amounts for the period of the loan
• No monthly repayments for the first 3 months - although interest is charged from the start of your loan
• No arrangement fee.

Fast and secure
• Receive your money within 24 hours – funds can usually be transferred into your Bank of Scotland account by the next working day*.
• Secure online application – completing our form normally takes just 15 minutes.

Instant online decision
• Use our calculator (on the right) to work out your monthly payments. Simply enter the amount you need to borrow and the time you’d like to repay over.
• Apply online now for an instant personal loan decision.

* If signed loan documentation is received before 1.30pm. Weekend applications and transfers to other bank accounts can take longer.

If you're looking for other loan amounts click here

Do you already have a loan with us? See how you can top it up.

For key information on our Bank of Scotland Personal Loan for £7,000 to £15,000 - click here

Please make sure you meet the criteria before applying for a Bank of Scotland Personal Loan.

To apply for a loan you must:

• Be an existing Bank of Scotland customer
• Be over 18
• Be in paid employment
• Not be in full time education
• Have a bank/building society account
• Have a permanent UK address
• Not have been declined credit in the last month
• Not have a history of bad credit such as arrears, county court judgements (CCJs), default or bankruptcy

You will also need handy:

• Your address details including your postcode for the last 3 years.  And if this is a joint application your partner's address details, if different
• Your bank/building society details
• Your annual income and monthly outgoings such as rent or mortgage payments
• Your employer's name and address

Apply for a Bank of Scotland Personal Loan - our secure application process takes on average 15 minutes to complete and we will give you an instant online decision.