It only takes about 10 minutes to apply online and get a decision

If you’re approved, you should have the money in your account within 24 hours.

In some cases it may take a bit longer to have the money in your account - but no more than 5 working days.

No charge if you make extra payments

You can also settle your loan early. If you do, we will charge up to 58 days' interest.

Apply for up to two repayment holidays a year*

*Subject to approval. This would extend the term of your loan, so you'll pay more interest overall.

  • You can take out an MBNA personal loan for many different reasons, such as:

    • Debt consolidation
    • Buying a vehicle (car, bike, boat etc)
    • Home improvements
    • Holiday
    • Wedding
    Don't be put off if you can't see your reason above, we offer loans for a wide range of purposes. However, we will not offer a loan for any of these reasons.


MBNA personal loans are provided exclusively by Lloyds Bank plc. MBNA Limited act as a credit broker and not the lender.

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Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services.

Personal loans: for personal (unsecured) loans, MBNA Limited:

  • Works exclusively with Lloyds Bank plc.
  • Is a credit broker and not the lender.

MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at

The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over.

For credit cards and loans, the interest rate offered to you will also be based on this assessment.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.