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Personal loans

Use our eligibility checker to answer a few questions – if pre-approved, get your personalised rate. And don’t worry, this won’t affect your credit score.

Check your eligibility Check your eligibility

Decide to borrow between £1,000 and £25,000 and repay over one to seven years.

Apply securely online to get a decision.

See your rate and fixed monthly repayments in minutes by checking your eligibility.

 

If approved

You should have the money in your account in 2 hours, or sometimes up to three working days.

No charge if you make extra payments

You can make extra payments at any time to reduce the interest costs and loan term. Charges only apply if you decide to pay your loan off early.

Apply for up to two repayment holidays a year

This would extend the terms of your loan, so you'll pay more interest overall.


MBNA personal loans are provided exclusively by Lloyds Bank plc. MBNA Limited act as a credit broker and not the lender.
The amount of lending and the interest rate offered to you, depends on an assessment of your personal circumstances.

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

    • Debt consolidation
    • Buying a car
    • 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.
     
    We won't offer a loan for any of these reasons. 

  • 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 with 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 you'll 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.

    Check your eligibility

    Contact us to discuss your borrowing needs. Lines are open Mon-Fri 8am-8pm and Sat-Sun 9am-6pm.

    Call: 0330 678 1430

Ready to apply?

If you've done your sums and are confident that a personal loan is right for you, answer a few questions to get your personalised rate.

Check eligibility

Unsecured Personal Loans:

  • MBNA is a trading style of Lloyds Bank plc.
  • MBNA Limited is a credit broker and not the lender.
  • MBNA Limited works exclusively with Lloyds Bank plc.

Lloyds Bank plc. Registered office: 25 Gresham Street, London, EC2V 7HN.

Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. 

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

The amount of lending and the interest rate offered to you, depends on an assessment of your personal circumstances. To apply, you must be a UK resident, age 18 or over.

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.