Rating based on 22 reviews



  • Personal loans up to £25,000
  • Low-interest starting from 2.9%
  • Repayment up to 7 years

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TSB homepage

Author TSB. Screenshot of TSB website. [Accessed December 18, 2018]

About TSB

TSB as you know it today was created more than 200 years ago and it was built on the idea of local pride and enabling local communities.

Supporting our communities

Our community responsibility and involvement range from children whose courage is awe-inspiring, to members of the armed forces and emergency services and local sporting heroes. We are here to uplift the communities in which we operate.

Serving locals of the UK

We offer a wide range of financial products and services to UK residents and we display the same commitment and support to our banking customers.

Best personal loan in UK

If you are looking for the best personal loan in the UK, TSB is your answer. 

Let us help make your dreams a reality by providing the financing that you require with the flexibility you seek in a reliable lender.

Highly recommended banking service

We hold a 5-star rating by Defaqto and are Britain’s most recommended high street bank.

TSB Services

Personal loans from TSB are unsecured loans from £1,000 up to £25,000 for a repayment term of between one and seven years.

The amount you qualify for will depend on your personal financial circumstances.

Lowest rates on personal loans

The lowest rate we offer is 2.8% APR representative for loans between £7,500 and £25,000 with a repayment term of one to five years. But your personalised rate depends on your unique financial circumstances.

Repayment holiday available

You also have the option of up to two one-month repayment holidays every year. However, repayment holiday is subject to approval and interest will be charged during your repayment holiday.

Extra repayments save on interest

Should you be able to, paying extra repayments can pay off your loan quicker. However, early loan repayment may carry early repayment fees.

Not a TSB customer?

Even if you are not a TSB customer, you can still get your approved loan funds on the same day or the next working days and is subject to terms and conditions.

TSB Product Details

  • Loan Type Personal loans
  • Interest Rate from 2.9%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of TSB

  • Apply for a repayment holiday
  • Settle your loan early
  • Receive your loan on the same day
  • Get a personalised loan quote

We offer our customers personalised personal loans

Get a personalised quote on your personal loan without affecting your credit report.

Minimum requirements

Before applying for a TSB personal loan, you will be required to meet the following minimum requirements.

  • You must be a UK resident
  • You must be aged 18 or over
  • If you have not held a TSB current account for longer than three months, you need to be aged 21 or over
  • Lending is subject to terms and conditions and interest actual rate offered will depend on our evaluation of your personal financial circumstances.

Personalised rates

The rate you receive will depend on your personal financial situation but your personalised rate will be disclosed before you apply for a personal loan and the maximum APR we might offer is 30.0%. We disclose your personalised rate before you apply as it forms part of our transparent and fair lending practices.

How to apply for a personal loan

For customers who have held a TSB current account for more than three months, you are able to apply online, in branch and by phone.

New or non-TSB customers - You can apply online, in branch and by phone and you are required to be over the age of 21 and other terms and conditions might apply.

Unsecured personal loans

We offer unsecured personal loans, this means you are not required to use your home, property or other valuable assets as collateral against the loan.

Flexible personal loans

Depending on your unique financial situation, you might qualify for a personal loan from £1,000 up to £25,000 for a repayment term of between one and seven years. 

man holding thumbs up

TSB is a trusted & reliable provider of personal loans

In our review, TSB adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

TSB is a registered credit provider in the UK; FCA number 191240

Customer Reviews & Testimonials

Really affordable unsecured personal loan that helped me get settled into a new city and not need to worry for a bit

Blair W
— Edinburgh —

It has been a pleasant experience working with TSB. They offer really affordable loans and their repayment structure doesn't break the bank.

Damion D
— Edinburgh —

Simple and easy online application that allows for the funds to be transferred within about a day.

Maxwell C
— Edinburgh —

TSB Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:30 – 16:30
  • Tuesday 09:30 – 16:30
  • Wednesday 09:30 – 16:30
  • Thursday 09:30 – 16:30
  • Friday 09:30 – 16:30
  • Saturday – Closed
  • Sunday – Closed