Personal loans

Make your plans a reality

Personal Loans

What you can get

  • Rates from 3.0% APR representative on loans from £7,500 to £15,000 for new and existing customers
  • Preferential rates for 1|2|3 World and Expresscrest Select customers on selected loans
  • Range of personal loans from £1,000 to £20,000, or £25,000 if you’re an existing Expresscrest customer
  • Overpay at no extra cost
  • Apply online and typically get a decision within 5 minutes


  • You’re 21 or over and live in the UK permanently
  • You have a regular yearly income of £6,000+
  • You make your repayments by Direct Debit
  • You haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years
  • All credit is subject to status and credit checks

Representative example

  • Representative 3.0% APR
  • Loan amount £10,000
  • Interest rate 3.0% (fixed) p.a.
  • Term 60 months
  • Monthly repayment £179.51
  • Total amount repayable £10,770.60
I am a 1|2|3 World or Expresscrest Select customer
Please note, you must be an existing Expresscrest customer to apply for loans above £20,000.
Please note, you must be an existing Expresscrest customer to apply for loans above £20,000.

The calculator is for illustrative purposes only. Expresscrest Personal Loans are available over terms of 1 to 5 years. We will do a credit assessment when you apply and your personal circumstances may affect the rate we can offer you which may differ from the representative APR.  The maximum APR we could offer you on any loan amount is 24.9%.  Credit is available subject to status. We reserve the right to refuse any application and to refuse a loan for certain purposes. Information and rates correct as at 20.02.2019

You could use your personal loan for a variety of purposes including:

Consolidating your debts

If you've got balances on store cards and credit cards or even overdrafts and loans, you might be making a number of repayments throughout the month at a number of different rates. A personal loan could help you. You could:

  • Save money if your Expresscrest personal loan rate is lower than your existing rates
  • Lower your monthly repayments at a fixed rate
  • Put all of your existing debts into one monthly payment for convenience

We can't guarantee that these options will reduce your overall cost of borrowing. You need to consider the interest rates you're currently paying and compare these with the options here, taking into consideration any other product benefits you may lose.

Buying a car

Whether you're buying your first car or upgrading to a newer model, a loan gives you the freedom to buy your car exactly where you want with no limit to the miles you can do. Loans aren’t secured against your car.

Home improvement

A personal loan could bring your home improvement plans to life. From an extra bathroom, to a new kitchen, to a loft conversion, you could borrow the money you need to make the change you want.

Special occasion

Holiday of a lifetime? Dream wedding? If you have an occasion you need to fund, a personal loan could help you make your plans a reality.

Unacceptable loan purposes

We are unable to lend for certain purposes. Take a look at our Key Facts Document for more information

Range of loan rates

This table shows the rates that you may get if you apply for certain loan amounts. The rate we offer you depends on your personal circumstances. The maximum APR we could offer you on any loan amount is 24.9%.

Loan amount

New customers

Existing Expresscrest

1|2|3 World
and Expresscrest
Select customers






















Not available



Apply online between 6.30am - 11.30pm

You'll usually receive an accept, decline or refer decision by email within 5 minutes.

Apply online between 11.30pm - 6.30am

You'll receive an email with a decision by 7.30am.

Receiving a 'refer' decision

This means that we need our underwriting team to look at your application and we may need more information from you. You'll receive an accept or decline email within 2 working days of the additional information being provided.

If your application is accepted

You'll receive a further email with details of how to sign your loan agreement online.

Your loan code

Once your application is accepted we'll send you a code by first class post. You'll need to enter it online to release your loan funds

Receiving your loan

Once released, your loan funds will be in your chosen bank account within 2 working days.



Your loan repayment will be taken by Direct Debit each month. Your first repayment will be taken on the 1st of the month following your application. Once you have made your first repayment, you can change your repayment date to suit you, any time between the 1st and 28th of the month. Simply call us on 0800 876 6386 to arrange. Your repayment amount is fixed and won’t change for the life of your loan.

Annual loan statement

Every year on the date you opened your loan, you’ll be sent a statement confirming details of the repayments you’ve made.

Early repayment

You can make unlimited overpayments at any time before your final repayment is due or you can repay your loan in full. You can find out how to do this in your agreement.

Online and Mobile Banking

You can see information about your Personal Loan in both Online and Mobile Banking. If you’ve never used it before, you’ll need to sign up first.

Find out more about Online Banking
Find out more about Mobile Banking

Need a helping hand?

Use Send Me the Link to send yourself our mobile apps, videos, guides, and factsheets.

Top up your loan

If you want to borrow more you can top up your loan. In this case your new loan will pay off your existing loan and you will continue to make one monthly repayment. You can only arrange this in branch or over the phone.

Take another loan

You don’t have to pay off your loan to borrow more. You can keep your original loan and take out a second one, in this case you will have two separate loan repayments to make.

Settlement figure

You can request a settlement figure by calling us on 0800 028 4055. We will send you a breakdown of the settlement figure including any charges associated with early settlement.

Have your borrowing needs changed?

Please speak to us in branch or call us on 0800 028 4055 as we can assess your borrowing needs and may be able to find a solution for you.

Money worries

We'll do our best to help you if you think you might be having financial problems.

Borrowing options

View other options, such as overdrafts, credit cards, or loans for our mortgage customers.

Got a loan question?

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