Northern Rock Personal Loans

Compare Northern Rock Loans

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



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%


(£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%



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%


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%


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%


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.

If you are in the market for a personal loan you may have been trying to find out what Northern Rock could offer you. Since being nationalised Northern Rock personal loans are no longer available. There is however a wide variety of providers who do have loan offerings, you can use the free comparison tables below to see what some of them might be able to offer you.

Northern rock personal loans previously featured when available:


  • Choice of loan amount of between £1,000 and £25,000
  • Choice to pay the loan back over a period of between 1 and 10 years
  • Fixed rates of repayment
  • Same day payment of funds


As such you may want to look for a lender who can still provide a loan with similar features. Using the above loan comparison tables you can compare different offerings from lenders at the same time. Loans, like most financial products, can vary hugely between plans and lenders, so shopping around is really important to try and make sure you get the most suitable product for your needs.


Loan Calculators


There is not a Northern Rock personal loan calculator available as they are not currently offering any personal loans. However you may find other loan calculators available. Using a lender’s loan calculator you can get an indication of how much a loan from them might cost you in repayments. You normally just need to enter how much you want to borrow and how long you want the repayment term to be, the calculator will then generate an estimate based on the lender’s Representative Annual Percentage Rate for a loan of that size.


However if you decide to apply for a loan you may find that your repayment amount and APR is different from the calculator’ indications, this is because when you apply for a personal loan, after a lender has assessed your credit score and other financial circumstances they may decide to tailor your specific APR.


Before you apply for a personal loan


As well as shopping around to try and get the most suitable loan for you, you may also want to look into alternatives to borrowing, for example if you already have the amount of money you were looking to borrow in your savings you may want to use your savings instead. This is because any interest you earn on from your savings may be less than the interest you would be charged from a loan of the same size.