Managing your loan

Yes, you could apply to borrow more money at any time.

You can either:

• Apply online for another loan that you’ll repay separately to your existing loan.
• Or call us to close and replace your existing loan with a new loan. This means you’ll have just one monthly fixed repayment.

If you pay off other borrowing with a new loan, you may pay a higher interest rate or make repayments over a longer term. This means that you may pay more interest overall.

Keep in mind that if you pay off your existing loan early, you may be charged up to 58 days’ interest. This is an early settlement adjustment.

Contact us to discuss your borrowing needs. 

You can make extra payments to your MBNA loan. This will reduce the interest you’ll pay and may reduce your loan term. Keep in mind that you'll need to keep making your monthly repayments, even if you make extra payments.

You can make extra payments over the phone on 0330 678 1430. Lines are open 8am to 10pm, 7 days a week. Payments can be made over the phone from any UK current account or building society account.

You can pay off your loan in full at any time.

Keep in mind that if you pay off your loan early, we will charge you up to 58 days’ interest. This charge is an early settlement adjustment.

Contact us to discuss early settlement. 

You can view your account details through the MBNA Mobile App or Online Services. 

See Online Services for more details or to register. 

You’ll need to call us to find out how much you’ll need, to pay off your loan early. 

Contact us to discuss your loan.

You can also find lots of information about your account in your personal loan terms and conditions.

For the full list of ways to get in touch, have a look at our contact us page.

If you’re an existing MBNA loan customer, the quickest and easiest way to change your contact details is through the MBNA Mobile App. 

Or you can call to make changes to your contact details.

Contact us to discuss your loan. 

Moving abroad

You must be a UK resident to hold an MBNA personal loan (except for the Channel Islands and the Isle of Man).

If you’re an existing loan customer and decide to move outside of the UK in the future, you must tell us. It may affect your ability to hold the account and the services you can use. We’ll contact you if we have to close your loan account.

MBNA is part of Lloyds Banking Group. If you have products with other companies within the Group, moving outside the UK may also affect whether you can continue to hold those.