Skip to main content

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.

Calculate your estimated payments

It looks like you're not using JavaScript...

To use our loan calculator, you need to have JavaScript enabled in your browser.

Calculate your estimated payments

representative

Sorry!

Our calculation service is taking too long to respond. Please try again later.

Sorry!

Our calculation service is currently unavailable. Please try again later.

Representative example

Total amount payable Includes interest
Based on borrowing

Monthly repayments
Paid over years

Fixed interest rate per annum
Representative APR

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 6.9% APR and the maximum rate is 28.9% APR.

Ready to apply?

It's quick and easy to apply for a personal loan using our mobile banking app

To apply for a loan you must;

And just remember…

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 6.9% APR and the maximum rate is 28.9% APR.

Apply in the app

To apply or check your eligibility, simply log into your mobile banking app, go to the ‘Products’ section and select ‘Personal loans’.

Already started?

Pick up where you left off.

Continue application

Get the app

Track, budget, save and pay with our Mobile Banking App

Get it on Google Play Link opens in a new window

Android 8.0 or above

Phone and card

Popular questions about loans

Your money will be with you quickly once your application has been approved. This will usually be within 2 hours or at the very latest by the end of the next day.

In order to apply for one of our loans you need to bank with us - you also have to;

  • Be 18 or over.
  • Have a good credit rating.
  • 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.

Go to contact details