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Bring your ideas to life

Personal loans from £1,000 to £25,000

Fixed rate personal loans

Let's make your plans a reality

Whether it's a new car, a home makeover, a holiday or even paying off other finances, our personal loans can help your plans become a reality. Just talk to one of our advisors in branch, over the phone or apply online.

How our loans work

  • Borrow what you need

    With Clydesdale bank you can borrow from £1,000 to £25,000 and choose a repayment period from to 1 to 5* years.
  • Easy access to rates

    Get access to the same loan rates when applying in branch, via telephone and online.
  • Online decision

    We aim to give you an instant decision online between 8am - 10pm, Monday - Saturday and 8am to 9pm on Sundays.
  • Fixed repayments

    Have the comfort of knowing what your monthly repayments will be and when your loan will be paid off. Early repayment charges apply**
  • All applications welcome

    Our loans are available to new and existing Clydesdale bank customers
  • Unsecured loans

    You don't need to be a homeowner or secure your loan against any other financial assets when applying.

Our current loan rates

£1,000£2,999
£3,000£4,999
£5,000£7,499
£7,500£15,000
£15,001£25,000
  • 22.4% 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) 22.4% Representative APR 22.4%
    Total amount payable £1226.48

    23 monthly repayments of £51.11

    and a final payment of £50.95

    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) 18.9% 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.

  • 6.9% 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) 6.9% Representative APR 6.9%
    Total amount payable £5536.26

    35 monthly repayments of £153.79

    and a final payment of £153.61

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

  • 4.9% 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) 4.9% Representative APR 4.9%
    Total amount payable £13,774.18

    47 monthly repayments of £286.97

    and a final payment of £286.59

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

  • 5.9% 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) 5.9% Representative APR 5.9%
    Total amount payable £22,454.50

    47 monthly repayments of £467.81

    and a final payment of £467.43

    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.

Calculator

Loan calculator

How much will it cost?

Use our loan calculator to calculate how much your monthly repayments could be on your chosen loan amount

Calculate and apply

Apply now

Apply online now

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

Moneyfacts Awards 2014 Best Personal Loan Provider


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 9am – 5pm
  • Sun 10am – 4pm

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 9am – 5pm

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