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Popular questions

which borrowing is best for you?

A loan, credit card or overdraft?

Take a look at your personal unsecured borrowing options below.

To apply for borrowing, you must be 18+ and living in the UK. Subject to lending criteria.

LOANS

A personal loan allows you to borrow a fixed amount over a fixed period of time. It's suitable for short, medium and longer term borrowing.

Know how much you'll pay each month and when you'll finish repaying
Consolidate debt or fund larger one-off purchases

Loans could help structure your monthly payments in the long term and you may be able to make overpayments without early repayment charges. To find out more about loans, visit our loans page.

CREDIT CARDS

A credit card lets you buy things up to an agreed limit and pay for them later.

Spread the cost of purchases
Consolidate credit or store credit balances with other lenders

Credit cards come with monthly interest and can incur fees. If you just make the miniumum monthly repayment, this can be an expensive form of borrowing and can affect your credit score in the long term. To find out more about credit cards, visit our credit card page.

OVERDRAFTS

An arranged overdraft is when we agree to a limit that lets you spend a bit more money than you have in your current account.

This could help you manage your money if:

you have to cover short-term expenses
your income or outgoings vary from month to month

Overdrafts gives you access to a pre-agreed overdraft limit which can be used to manage unexpected costs in the short term, it can be cost effective however interest charges apply for the days you use the overdraft and there is no structure around repayments. To find out more about our overdrafts, visit our overdrafts page.

We offer other borrowing options on a secured basis, this means borrowing against your own assets with a mortgage, cash backed lending or an investment backed lending. To explore our secured borrowing options, please speak to your private banker.

Ways to borrow money

Want to borrow money, but unsure which product would work best for you?

Simply answer a few questions and explore your borrowing options here.

let's get started

What would you like to borrow for?

What would you like to borrow for

Looking to purchase a property or borrow against your cash or investments?

Please speak to your private banker to explore your needs.

how much would you like to borrow?

How much would you like to borrow

how long would you like to take to repay it?

How long would you like to take to repay it

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

how long would you like to take to repay it?

How long would you like to take to repay it

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

how long would you like to take to repay it?

How long would you like to take to repay it

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

Before deciding to borrow money, you should think about:

If you have any other ways of funding what you need, such as using existing savings or creating a savings goal (criteria applies).
If you can afford to pay back the money you're planning to borrow. Depending on the product you choose, interest rates may be variable or fixed, which might impact the amount you can borrow and the cost of borrowing over time.
Any applications for borrowing will be subject to credit checks to make sure you’re eligible to borrow money.
You should properly explore all your borrowing or savings options before making a final decision.
This guide aims to help you determine which product might best suit your needs, but in no way constitutes product advice or recommendation.

To explore our other complex lending, please contact your private banker.

continue to my results

Your borrowing options explained

Based on what you’ve told us, here are some borrowing options for you to explore further

CREDIT CARDS

A credit card lets you buy things up to an agreed limit and pay for them later.

Spread the cost of purchases
Consolidate credit or store credit balances with other lenders

Credit cards can be a more expensive way of borrowing if repayments are not made on time. Credit cards come with monthly interest and can incur fees. If you just make the miniumum monthly repayment, this can be an expensive form of borrowing and can affect your credit score in the long term. To find out more about credit cards, visit our credit card page.

Your borrowing options explained

Based on what you’ve told us, here are some borrowing options for you to explore further

CREDIT CARDS

A credit card lets you buy things up to an agreed limit and pay for them later.

Spread the cost of purchases
Consolidate credit or store credit balances with other lenders

Credit cards can be a more expensive way of borrowing if repayments are not made on time. Credit cards come with monthly interest and can incur fees. If you just make the miniumum monthly repayment, this can be an expensive form of borrowing and can affect your credit score in the long term. To find out more about credit cards, visit our credit card page.

OVERDRAFTS

An arranged overdraft is when we agree to a limit that lets you spend a bit more money than you have in your current account.

This could help you manage your money if:

you have to cover short-term expenses
your income or outgoings vary from month to month

Overdrafts gives you access to a pre-agreed overdraft limit which can be used to manage unexpected costs in the short term, it can be cost effective however interest charges apply for the days you use the overdraft and there is no structure around repayments. To find out more about our overdrafts, visit our overdrafts page.

Your borrowing options explained

Based on what you’ve told us, here are some borrowing options for you to explore further

CREDIT CARDS

A credit card lets you buy things up to an agreed limit and pay for them later.

Spread the cost of purchases
Consolidate credit or store credit balances with other lenders

Credit cards can be a more expensive way of borrowing if repayments are not made on time. Credit cards come with monthly interest and can incur fees. If you just make the miniumum monthly repayment, this can be an expensive form of borrowing and can affect your credit score in the long term. To find out more about credit cards, visit our credit card page.

LOANS

A personal loan allows you to borrow a fixed amount over a fixed period of time. It's suitable for short, medium and longer term borrowing.

Know how much you'll pay each month and when you'll finish repaying
Consolidate debt or fund larger one-off purchases

Loans could help structure your monthly payments in the long term and you may be able to make overpayments without early repayment charges. To find out more about loans, visit our loans page.

Are you borrowing to enhance the energy efficiency of your home? You could be eligible for a refund of your arrangement fee, up to £500. We’ll also pledge to plant 10 UK trees for every successful refund. Visit our loans page for more information.

For secured loan options, please speak to your private banker.

Your borrowing options explained

Based on what you’ve told us, here are some borrowing options for you to explore further

LOANS

A personal loan allows you to borrow a fixed amount over a fixed period of time. It's suitable for short, medium and longer term borrowing.

Know how much you'll pay each month and when you'll finish repaying
Consolidate debt or fund larger one-off purchases

Loans could help structure your monthly payments in the long term and you may be able to make overpayments without early repayment charges. To find out more about loans, visit our loans page.

Are you borrowing to enhance the energy efficiency of your home? You could be eligible for a refund of your arrangement fee, up to £500. We’ll also pledge to plant 10 UK trees for every successful refund. Visit our loans page for more information.

For secured loan options, please speak to your private banker.

Your borrowing options, at a glance

	Loans	Credit Cards	Overdrafts
Typically used for:	Larger one-off purchases and consolidating debt	Spreading the cost of purchases or balance transfers	Covering short-term spending or unexpected expenses, month to month
Borrow amount (subject to affordability)	£1,000+	£5,000+ (credit card) £30,000+ (charge card)	£100+
Repayment methods	Fixed monthly Direct Debit	Monthly Direct Debit or one-off payments	Flexible payments from your account balance
When funds available	Once agreement signed, usually within next working day	Wait up to 5 - 7 days for card to arrive	Usually straight away subject to approval
	View our loans	our credit cards	View our overdrafts

Exclusions may apply. Criteria apply. Over 18s only.

We may conduct hard credit searches as part of your application should your application be reviewed. We may also use and share your information with credit reference agencies if your application requires validation. All applications are subject to status and assessment.

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