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No need to DIY – we’ve got you covered.

Staying put and adding style, or smartening up to sell, a little DIY can make a big difference to your home. Of course you don't have to do it yourself, not when you've got us on your side. A personal loan will help you get the job done, or help to hire someone to do it for you.

Here's what you get from a Virgin Money Personal Loan:

*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.

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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 2.9% APR and the maximum rate is 29.9% APR.

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You’ll get our decision in minutes when you apply online

To apply for a loan you must;
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 2.9% APR and the maximum rate is 29.9% APR.

Apply now

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'.

View all questions about loans

Fancy a chat?

Our team is here to answer your questions, talk through your needs and help you through the process.

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