Our loans

Features & benefits

For loans between £7,000 and £15,000. Now also available to non-Merchant Group current account customers.

The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

The APR may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB)loans interest rate table (PDF, 57KB) This link will open in a new window for more details.

Borrow from £1,000 to £25,000

Spread your repayments over 1 to 5 years for loans of £15,000 or less, or over 1 to 8 years for loans over £15,000.

Top up your existing loan

If you’ve already got an Merchant Group Personal Loan, find out about topping up your existing loan.

Get a quick decision

As an Merchant Group current account customer, you could get an instant credit decision. Non-Merchant Group current account customers should be contacted with a credit decision in 2-5 working days.

Quick access to funds

Existing Merchant Group current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-Merchant Group current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.