How do personal loans work?

• We’ll tell you what your loan rate is before you apply – this won’t affect your credit score. Then you can apply in Online Banking app.
• If we approve your application, we’ll pay the money into your account straight away.
• You’ll pay your loan back over your agreed term (or earlier, if you want to pay extra or repay sooner), until it’s all cleared. Early repayment charges may apply.
• All loans are subject to your financial circumstances and borrowing history at the time you apply.