Want to see your rate before you apply?

Use our eligibility checker to get a quote, without impacting your credit score.

  • Find out whether we can pre-approve you for a loan.
  • Get a personalised interest rate, which won't change if you apply.
  • See a breakdown of what you'll need to repay. 

Check now

What do we need to know about you?To help us get to know you a bit better, here's a few things we'll need from you: your personal and contact details, details about your money coming in and going out and your employment details. Don't worry, as long as nothing's changed, there's no need to type these details again if you go on to apply.

Our at a glance calculator

Don't have time for an eligibility check today? You can use our at a glance calculator.

This calculator:

  • can't tell you your personal rate or repayment amounts
  • can show you an example of much the loan could cost
  • will show you rates and repayment amounts based on our illustrative APRs.

We may offer you a different rate. To see your rate, check your eligibility.

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Monthly repayments

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Total amount repayable

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Illustrative APR

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The rate you are offered may be different to the rate shown in the calculator.

That is because it is based on your personal circumstances, how much you want to borrow and how long you want to pay it back.

Apply now to get your personalised rate

Check your eligibility

Representative example

You could borrow £10,000 over 48 months with 48 monthly repayments of £245.88. Total amount repayable will be £11,802.24. Representative 8.7% APR, annual interest rate (fixed) 8.37%.

The representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Other terms and loan amounts are available at different rates. The maximum APR you could be offered is 29.9% APR.

The representative APR is the rate that at least 51% of people are expected to receive when taking out a loan within the stated amount and term range.

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

View an example of an MBNA personal loan agreement (PDF 212kb)

The decision to lend and the rate you’re offered will depend on your personal situation. Loans are available to UK residents aged 18 or over.

 

What happens now

Check your eligibility

It only takes minutes to complete our eligibility checker. With it you get:

  • to find out if you're eligible to apply for a loan.
  • if pre-approved, get your personalised rate with no effect on your credit score.

What do we need to know about you?To help us get to know you a bit better, here's a few things we'll need from you: your personal and contact details, details about your money coming in and going out and your employment details. Don't worry, as long as nothing's changed, there's no need to type these details again if you go on to apply.

Get a quick decision

Go on to apply and you'll get an instant decision.

Get the money in your bank

If we approve your loan, you should have the money in your account within 2 hours. In some cases it may take a bit longer, but no more than 3 working days.

Why choose an MBNA loan?

  • 8.7% APR representative for loans between £7,500 and £25,000, over 1 to 5 years.
  • Use our eligibility checker to answer a few quick questions to see if you are pre-approved and get a personalised rate - with no effect on your credit score.
  • If you go on to apply, as long as nothing's changed, the answers you gave are brought forward to your application. So there's no need to re-type them. 
  • Applying online is quick, easy and secure. It only takes minutes and you'll get an instant decision.

Other amounts and terms are available at different rates.

  • If you’re approved, you should have the money in your account within 2 hours. In some cases it may take a bit longer, but no more than 3 working days.
  • Take up to two repayment holidays of one month in a rolling 12 month period, subject to approval. Interest is still charged for the months you don’t make payments. This means you’ll pay more interest overall and the loan term will increase.
  • You can pay off your loan early. If you do, you will be charged up to 58 days' interest.

 

Choose to borrow between £1,000 and £25,000 and repay over 1 to 7 years.

You can apply for a loan if:
 

  • You’re aged 18 or over.
  • You’re a UK resident (excluding the Channel Islands and Isle of Man).
  • You’re not in full-time education.
  • You’re in paid employment or have a regular income.
  • You’ve not been declined for credit in the last month.
  • You don’t have a history of bad credit.
  • You are not applying for any of these reasonsLoans will not be provided for speculative purchases (gambling, investments and share purchases), any illegal purposes, business related purposes, purchase/lease of land or property, either full or part purchase (including deposit), timeshares/holiday clubs..

Loans FAQs

  • Our loan calculator helps you work out how much you could afford to borrow and what your monthly repayments could be.

    Enter in how much you would like to borrow and over how long you’d like to repay it. You will then be shown an example of how much your monthly repayments could be and the total repayable amount based on an illustrative APR.

    Changing the amount you want to borrow and the term of the loan will automatically change the example repayments and illustrative APR shown by the calculator.

    Please note: when you apply you may be offered a different APR based on your personal circumstances.

  • When you apply, there are several factors we take into account when we calculate your personalised loan rate (APR). These include:

    • your credit repayment history
    • your past account history
    • how much you want to borrow
    • how long you want to repay the loan over
    • other personal details held on our records.
  • Our eligibility checker is an online tool you can use to tell us a bit about you and your circumstances. By answering a few questions, you can:

    • find out if you're eligible to apply for a loan.
    • if pre-approved, get a personalised rate.
    • relax - as long as nothing's changed, you don't need to re-type any of the details you've already given us.

    All of this, before you apply and with no effect on your credit score.