Virgin Money Personal Loans
Loans you'll love
Unlock brighter borrowing with a personal loan of up to £25,000. Repay over 1 to 5 years.
Check your eligibility
What you'll get with a Virgin Money loan
Special surprise or serious buy? Our personal loans have got you covered.
Range
Personal loans from £1,000 to £25,000.
Repayments
Repay over 1 to 5 years.
Rates
Rates from 6.3% APR to 28.9% APR.
If you're an existing customer, you may be able to borrow more over a longer period. Check your eligibility to see the terms available.
Why choose a Virgin Money loan?
- See your rate before you apply
- Check your eligibility for a loan in minutes and see your rate before you apply. This will not affect your credit score.
- Fast funds
- If your application is approved, you'll get the money in as little as two hours, or by the end of the next business day at the latest.
- Fixed monthly payments
- After your first repayment, choose a repayment date that suits you, to help with budgeting.
Calculate your estimated payments
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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 how much you borrow and your personal circumstances. The minimum rate we offer is 6.3% APR and the maximum rate is 28.9% APR.
Ready to apply?
It's easy to check your eligibility and apply for a Virgin Money loan. Start a new application or continue with an existing application.
To be accepted for a loan you'll need to:
- Be over 18 and have lived in the UK for the last 3 years
- Have an income and a UK bank or building society account
- Have a good credit history, not be bankrupt or have any County Court Judgments (CCJs) or decrees
Popular questions about loans
After we have your loan agreement confirmed, we'll send your money. This will usually be within 2 hours or by the end of the next working day at the latest.
This does mean that there's a small chance you could be charged some interest before you receive your money. This is because interest is charged from the first day of your loan, not when it arrives in your account.
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'.
You can change the bank account your Direct Debit comes out of, or your loan payment date using our online form.
Simply provide us with a few basic details to help us locate your account, then we’ll make the changes requested.
We will deal with your request immediately, however it takes up to 14 days to change your Direct Debit account details, and up to 10 days to change your loan payment date. If your next loan repayment is scheduled within either period, your changes won't take effect until the following payment date.
You can find out in minutes how much it will cost to pay off your personal loan early, using our online form.
We'll need a few basic details to help us locate your account, then we will send you a text message which contains your settlement figure. The settlement figure is valid for 28 days.
The easiest way to pay off your loan is to make a transfer from any bank account, using your loan's sort code and account number. For other methods, please get in touch with us.
That’s totally up to you if you want to pay your loan back early, we like to keep things flexible so if you want to you can:
Pay everything
If you are looking to pay back your full loan, you will have to request a settlement figure for your full loan balance – this will include any additional charge for interest. You can request a settlement figure using our online form. Any early payments will be subject to an interest charge (up to a maximum of 58 days' worth).
Reduce your monthly payments or reduce your loan term
Depending when you took your personal loan out, you may be able to reduce your monthly payments or reduce your loan term. If you aren’t sure how that works out for you please get in touch with us.
The easiest way to pay off your loan, or make an extra payment, is to make a transfer from any bank account using your loan's sort code and account number. For other methods, please get in touch with us.
Fancy a chat?
Our team is here to answer your questions, talk through your needs and help you through the process.
Go to contact details