Personal loans

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.

If you know in advance that you might struggle to make a repayment on your personal loan, please get in touch with us right away. We know things don’t always go smoothly in life. We don’t want to add to your stress, and we’ll do everything we can to help you through.

If you don’t get in touch, and end up falling behind on repayments, it’ll cost you more in the long run — financially and emotionally. Missing or late payments can result in:

Extra interest charges (You can find information about those in your loan agreement).

Court proceedings leading to an order to pay us back (called a Judgment) as well as extra interest and charges.

We don’t want it to come to this for any of our customers. But if we don’t hear from you, we have to take measures to get the money back and will mean it’ll cost you more. It could also have a negative effect on your credit rating, which could cause problems if you need to borrow again in the future.

Always remember, we’re here to help in any way we can. If you’re worried about your repayments for any reason, please get in touch.

You can’t apply for another loan with us as we’re no longer taking new applications.

However, we’re now part of Nationwide, and their team would love to help. To apply, you must have held a Nationwide current account, savings account or mortgage for at least 14 days.

Find out more about Nationwide’s loans.