Bank of Scotland Loan

Compare Bank of Scotland loans

Whether you are looking for a loan big or small you might be wondering what Bank of Scotland loans are available to you.  You can look at the loan offerings of a variety of different lenders using the comparison tables below to see if you can find the best plan for you.

ProviderLoan AmountCredit HistoryRates FromTerm 
£2,500 to £15,000Good Credit Only3.2%

APR
Representative

(£7,500-£15,000)

2 years to 5 yearsGet Quotes >
  • 10 minute online quote, instant decision
  • Money can be with you within 48 hours
  • No arrangement, over payment or early repayment fees
  • Must be aged 21 or over
  • UK Resident with a UK bank account

Representative Example:  The Representative APR is 3.2%, so if you borrow £7,500 over 3 years at a rate of 3.03% p.a. (fixed) plus an arrangement fee of £30, you will repay £218.94 for 36 months and £7,881.84 in total.

£1,000 to £25,000Good Credit Only3.2%

APR
Representative

(£7,500 - £25,000)

1 year to 7 yearsGet Quotes >
  • No arrangement fees or hidden charges
  • Instant online decision
  • Funds transferred within 2 working days
  • No penalty for overpayments
  • You must be aged between 21 and 70 
  • You must have been a permanent UK resident for 3 years 
  • You must have an annual income of at least £12,000 and have a UK bank or building society account
  • You need to make payments on time or you will be charged a late payment fee. Missing payments could have severe consequences on obtaining future credit
  • Post Office Personal Loans are provided by Bank of Ireland (UK). Post Office Limited is a credit broker and not a lender

Representative Example:  The Representative APR is 3.2%. Based on a loan amount of £10,000 over 60 months at an interest rate of 3.2% p.a. (fixed). Monthly repayment of £180.37. Total amount repayable £10,822.20.

£1,000 to £20,000Good Credit Only3.44%

APR
Representative

(£7,500-£15,000)

1 to 5 YearsGet Quotes >
  • Fixed Interest Loan Rate
  • Instant Online Decision
  • Must be aged 21
  • No CCJs or IVA in the last 6 years
  • Permanently resident in England, Wales, Scotland or Northern Ireland

Representative Example: The Representative APR is 3.4%. Based on an assumed loan amount of £10,000 over 60 months at an interest rate of 3.4% p.a. (fixed). Monthly repayment £181.41 & total repayable £10,884.60.

£1,000 to £25,000All Credit Histories Considered14.9%

APR
Representative

1 to 5 YearsGet Quotes >

Representative example: The Representative APR is 14.9% (variable).The Representative APR is If you borrow £90,000 over 4 years at a representative 14.9% APR and an annual interest rate of 14.9% (fixed) you would pay £245.80 per month. Total charge for credit will be £2,798.51. Total amount repayable is £11,789.51.

£1,000 to £5,000Fair & Poor Credit59.9%

APR
Representative

1 to 3 YearsGet Quotes >
  • Know if you'll be accepted before you apply
  • Applying won't affect your credit score
  • No fees charged
  • Borrow more later, if you're eligible
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 59.9% (fixed). If you borrow £2,000 over 2 years at a rate of 59.9 p.a (fixed), you will repay £131.05 per month & £3,145.20 in total.

£1,000 to £20,000All Credit Histories Considered99.90%

APR
Representative

1 to 2 YearsGet Quotes >
  • Interest Rates from 35.9% - 99.9%, depending on the information you provide in your application
  • Fixed monthly repayments
  • Instant Online Decision
  • Must be aged 18
  • Must be UK resident

Representative Example: The Representative APR is 99.9% (fixed) - Based on an assumed loan amount of £1,500 over 24 months at an interest rate of 71.3% p.a. (fixed) you would pay £118.88 a month and £2,853.12 in total.

Bank of Scotland Loans

A Bank of Scotland Loan makes rolling outstanding credit into just one manageable monthly payment quick and easy. Which loans are available to you can depend on your credit history and how much you want to borrow.


Bank of Scotland loans features:

  • Borrow up to £25,000 and repay over 7 years
  • Have fixed loan repayments so you always know where you stand.
  • Take a 3 month repayment holiday
  • Get loan protection to safeguard repayments from sickness or redundancy
  • Overpay as much as you like
  • No arrangement fees
  • No charge for early repayments

To apply for a bank of Scotland personal loan you need:

  • To be an existing Bank of Scotland customer for at least three months
  • To be in paid employment and not in full-time education
  • Not to have been declined credit in the last month
  • Not to have an adverse credit history

Bank of Scotland personal loans are only available to existing customers. If you are already a BoS customer, see if a Bank of Scotland personal loan is the right one for you; compare it with a number of other deals on the market using the tables above.


To find out what your repayments of a Bank of Scotland loan could be you can use the Bank of Scotland loan calculator. You just need to enter how much you want to borrow and the length of the repayment period and the Bank of Scotland loan calculator will give you an estimate both how much your monthly repayments would be as well as what the loan will cost you in total. This is just an estimate however; the actual annual percentage rate you are offered should you apply may differ from the one the calculator used. This is because lenders will tailor what APR they are willing to offer a client based on an assessment of their credit score and other financial factors such as; how much they earn and if they have any other credit commitments.


Bank of Scotland graduate loan

If you have recently graduated and have a Bank of Scotland Graduate Account a graduate loan may be better suited to your needs. 


Bank of Scotland graduate loans feature:

  • Loans from £1,000 to £10,000
  • Competitive rates of interest
  • Repayment periods over 1 to 5 years

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.