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Personal fixed rate loans

Sometimes we need a little help

A fixed rate loan from Clydesdale Bank can help towards buying a new car, taking a holiday with your family, or making some improvements to your home.

Features

  • Instant online decision - 8am-10pm, Mon-Sat and 8am-9pm, Sun
  • Borrow from £1,000 to £25,000 and repay over 1 to 5 years*
  • Rates available online, in branch and via telephone
  • You don’t need to be a homeowner to apply
  • Funds paid directly into your account - once approved and completed paperwork received by us
  • Early repayment options – early repayment charge applies**
£1,000£2,999
£3,000£4,999
£5,000£7,499
£7,500£15,000
£15,001£25,000
  • 24.5% APR representative on loans from £1,000 – £2,999

    Representative example
    Loan amount £1,000 Term time 2 years Rate of interest per annum (fixed) 12.346% Representative APR 24.5%
    Total amount payable £1246.91

    23 monthly repayments of £51.96

    and a final payment of £51.83

    All loans subject to status. The rate offered may differ from the Representative APR shown.

  • 18.9% APR representative on loans from £3,000 – £4,999

    Representative example
    Loan amount £3,000 Term time 3 years Rate of interest per annum (fixed) 9.736% Representative APR 18.9%
    Total amount payable £3876.26

    35 monthly repayments of £107.68

    and a final payment of £107.46

    All loans subject to status. The rate offered may differ from the Representative APR shown.

  • 5.9% APR representative on loans from £5,000 – £7,499

    Representative example
    Loan amount £5,000 Term time 3 years Rate of interest per annum (fixed) 3.060% Representative APR 5.9%
    Total amount payable £5459.06

    35 monthly repayments of £151.65

    and a final payment of £151.31

    All loans subject to status. The rate offered may differ from the Representative APR shown.

  • 5.4% APR representative on loans from £7,500 – £15,000

    Representative example
    Loan amount £12,500 Term time 4 years Rate of interest per annum (fixed) 2.808% Representative APR 5.4%
    Total amount payable £13,904.03

    47 monthly repayments of £289.67

    and a final payment of £289.54

    All loans subject to status. The rate offered may differ from the Representative APR shown.

  • 4.7% APR representative on loans from £15,001 – £25,000

    Representative example
    Loan amount £20,000 Term time 4 years Rate of interest per annum (fixed) 2.445% Representative APR 4.7%
    Total amount payable £21,955.66

    47 monthly repayments of £457.41

    and a final payment of £457.39

    All loans subject to status. The rate offered may differ from the Representative APR shown.

A fixed rate personal loan is a sum of money borrowed from the lender and paid back over an agreed time and rate of interest. All loans are subject to status.

Apply now

Calculator

Calculator

Calculate how much your repayments could be

Calculate and apply

To apply for a loan you must either be a new customer aged 23-74 with a minimum income of £15,000, or an existing customer of the bank aged 18 or over.

FAQ - Personal loans

All personal loan questions

Started an application?

Retrieve your application if you've started your application in the last 30 days.

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Important information

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount. The rate offered may differ from the Representative APR shown.

* Loans may be granted for periods of up to 84 months if: i) if you apply in branch or by telephone, the loan amount is greater than or equal to £7,500 or if the loan is greater than or equal to £15,000; and ii) if the purpose of the loan is to repay an existing Clydesdale Bank loan, the additional amount borrowed is of greater value than the existing loan that is to be repaid.

** You can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction we will charge up to an additional 58 days' interest on the amount you repay.


Branch locator

Find your nearest Clydesdale Bank branch, Business and Private Banking centre or ATM

Branch locator

Prefer to talk to us?

Call us to speak to an advisor or apply for a personal loan by phone

0800 707 6471

  • We’re here
  • Mon-Fri 8am – 8pm
  • Sat 9pm – 5pm

Chat online to an advisor

Got a question? Our advisors can help you find the answers.

Chat online now

  • Available
  • Mon - Fri 9am - 8pm
  • Sat 9pm – 5pm

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