Special surprise or a serious buy – we’ve got a loan you’ll love.
A special occasion, a once in a lifetime break or a little more oomph in your home. Whatever you're leaning towards, you'll love our personal loan.
It's flexible - you can borrow £1,000 - £35,000 and repay over one to five years. Or, if you're borrowing £7,500 or more (and less than 50% of it is to pay back an existing loan) you may have the option to repay up to seven years.
3.0%
- Fixed rates, so you know exactly what to repay every month
- Get a decision online in minutes
- Repay your loan early in part or in full*
*Bear in mind: Repaying your loan early will incur up to 58 days of additional interest on the amount you repay. But don't worry - we'll make sure you know exactly what the full repayment amount will be before you commit.
Award-winning account
Awarded Best Personal Loan Provider 2020 by Moneyfacts
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Representative example
All loans are subject to status and eligibility and you must be over 18 and a UK resident to apply. The interest rate we offer you is based on your loan requirements and individual circumstances. The minimum rate we offer is 3.0% APR and the maximum rate is 29.9% APR.
Ready to apply?
You’ll get our decision in minutes when you apply online
To apply for a loan you must;
- Be over 18 and a UK resident.
- Have not applied for a loan with us within the last 3 months.
- Have a good credit history, not be currently bankrupt and not have had a County Court Judgment (CCJ) or decree in the last three years.
And just remember…
All loans are subject to status and eligibility. The interest rate we offer you is based on your loan requirements and individual circumstances. The minimum rate we offer is 3.0% APR and the maximum rate is 29.9% APR.
Popular questions about loans
If you’re applying entirely online, through the app or in one of our stores, then your money will be with you really quickly. This will usually be within 2 hours or at the very latest by the end of the next day.
If you’re going old school and doing it by paper or over the phone, you’ll still need to sign your Loan Agreement. As soon as we’ve got what we need from you, we’ll send your money to the bank account you’ve told us to send it to. Again, this will usually be within 2 hours or by the end of the next day.
You don’t need to bank with us to apply for one of our personal loans — but you do have to:
- Be 18 or over.
- Have a good credit rating.
- Have a UK bank account.
- Have a debit and/or credit card.
- Live in the UK.
Not a problem. As long as you complete your application within 28 days of starting it, you can click or tap the ‘Save and Exit’ button as often as you need to. To get back to it whenever you like, go to our personal loans page and click or tap on 'Finish my application'.
Help with your borrowing
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A debt consolidation loan could make it easier to manage your money.
Got an existing loan with us?
Manage or make additional payments, change your personal details or apply to borrow more.
Manage my loanAlready started an application?
If you started a loan application within the last 28 days, you can find and finish it using the button below:
Finish my application
Virgin Group discounts
When you join the Virgin Money family, you get extra special deals across the wider Virgin Group. So you can save on everyday essentials, as well as bigger things - like days out, dream holidays and amazing adventures. Terms apply.
Discover our discountsFancy a chat?
Our team is here to answer your questions, talk through your needs and help you through the process.
Go to contact details