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Choosing a credit card or a loan

Whether it's for a bigger purchase, everyday spending, or plans you have in mind, there are several ways you could borrow money. Find out more about the MBNA personal loan and range of credit cards to work out what best suits your needs.

Two MBNA credit cards next to coffee and cookies.

Credit cards

For spending, transfers or just for emergencies...whatever type of credit card you're looking for, MBNA could help.

Learn more about credit cards

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Personal loans

For a large purchase or when those bigger expenses come up. With fixed monthly payments, you can spread the cost and stay in control.

Learn more about personal loans

Credit cards

You can use cards for many things including everyday spending, balance transfers or emergency purchases.

It's important you understand the interest and fees that might be applied to each type of card.

Whatever you're looking to borrow for, see if we have a credit card to help you.

Why choose a credit card?

  • They can be handy for everyday spending or a larger purchase to help you spread the cost.
  • You could transfer balances from another lender to an MBNA credit card.
  • Set up Online Card Services on your mobile to help you manage your money on the go - make payments to your card, check your balance or get payment alerts.

Things to think about

  • Think about how you’ll use your new credit card, both now and in the future.
  • Remember to compare all rates and any transfer fees on promotional offers.
  • Consider the risk of taking on too much debt and how you will repay any amounts owed.


Learn more about credit cards

Credit is available, subject to status, to UK residents aged 18 and over

Personal loans

Buying a car, giving your home a makeover or getting your finances in order... a personal loan could be the answer.

Personal loans are ideal for those bigger plans or expenses that come up. You choose how much you want to borrow. Then you choose how long you want to borrow for. Payment terms are agreed over a certain number of months and years, allowing you to pay back your loan in affordable amounts.

Why choose a loan?

  • You can borrow for many reasons, but there are some limits on what you may use a loan for.
  • With fixed monthly payments, you'll always know where you stand - this could help you budget more easily.
  • You can combine your other debts into one affordable monthly payment, with a clear date for when you'll pay off your borrowing.
  • As a way to borrow over a long term, you can spread the cost to suit your needs.
  • If you choose to get a loan with MBNA and 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.


Things to think about

  • If you miss a payment or make a late payment, you will be charged a fee.
  • The longer you take to pay back your loan, the more interest you’ll pay back overall.
  • If you pay your loan off early, you will be charged up to 58 days' interest.

Learn more about Personal Loans

2.9% APR representative for loans of £7,500 to £15,000 over 1 to 5 years.