bank loans online

bank loans online

Flex your financial muscle. With the option of early repayment our Flexible loan puts you in control of your finances.

Existing Bank of Scotland customers looking to borrow money can get a loan from £1,000 to £50,000 with fixed repayments over 1 to 7 years.

Loans are unsecured and available to UK residents, aged 18 or over. How much we lend and the rate available are subject to our assessment of your circumstance

APR Representative available on loans from £7,500 to £25,000 over 1 to 5 years*

Manage your loan

Paying off your loan early

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month.

If you make an early settlement we may charge up to 58 days' interest.

Exclusive to existing Bank of Scotland customers with a Bank of Scotland bank account held for at least 1 month

  • Internet banking
  • Branch
  • Telephone

No charge to pay off your loan early for Flexible Loan customers.

*Other loan amounts between £1,000 and £50,000 are available at different rates.

If you already have a Bank of Scotland loan and you need to borrow more, you can apply at any time.

Loan, credit card or overdraft? If you are thinking about borrowing it’s important you make the right choice for your circumstances.

To speak to an adviser in branch , you'll need to book an appointment.

You will not be able to apply for or manage the Personal Loan in branch.

Making sure you get a fair deal

We want you to find a product that's right for your circumstances which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Our website works better with cookies. Browsing on means you agree to our Cookie Policy.

From our current account that likes to thank you as you spend, to our travel money delivered wherever it's most convenient for you, we aim to give you banking the way you want it.

Whether it's to help manage your spending, spreading the costs of a one-off purchase, or the serious business of buying a house, we've got it covered.

Our range of savings accounts can give you competitive rates and easy access, while our ISAs offer tax free saving for you and your children.

Whether you're protecting your car, your pets, your house, or just want to be safe on your travels, we have a comprehensive range of insurances with options that let you tailor your cover to your lifestyle.

Calculators and comparison tables, jargon busters and top tips - our selection of tools and helpful information can help you get to grips with our products.

If you're already banking or have insurance with us and you've got a question, need some help, or want to know what's available to you, you've come to the right place.

Helping you achieve your goals

We have a personal loan that could suit your needs

8.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

4.9% APR representative for a personal loan over 1 to 5 years.

Our lowest rate

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

11.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

19.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

20.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

8.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

4.9% APR representative for a personal loan over 1 to 5 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

11.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

19.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

20.9% APR representative for a personal loan over 1 to 7 years.

You can get a personal loan from

for terms between

  • 18 or over.
  • UK resident.
  • Earning a minimum Gross Annual Income (GAI) of £10,000.
  • An existing customer having held a Co-operative Bank or smile current account for at least 7 months (Cashminder, Student and Pathfinder accounts are not eligible).
  • Not had any County Court Judgements (CCJs), entered into any Individual Voluntary Arrangements (IVAs) or Trust Deeds nor been declared bankrupt within the last 6 years.
  • Not in arrears or have not missed more than 2 payments on any credit agreement in the last six months.
  • At least one applicant must be Employed full time, part time, self-employed or retired.
  • Consolidating an existing Co-operative Bank loan is subject to having made at least 6 repayments on your present loan.
  • To apply for a joint loan account, both applicants must be aged 18 or over, UK residents and reside at the same address.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Why choose a Co‑operative Bank loan?

  • Pay no arrangement fees.
  • The interest rate is fixed for the life of your loan, helping you budget with confidence.
  • We support thousands of ethical UK initiatives, from clean energy to sports and education.

Repay all or part of your loan early.

There are fees for paying your loan back early.

What you could use our personal loan for

Get help buying a new or used car with one of our competitive personal loans.

Our loans can help you to modernise and make repairs to your home.

Move all of your existing borrowing into one place, with one monthly payment.

Professional and Career Development loan

A loan to finance your studies and improve your career prospects.

  • Borrow between £300 and £10,000 helping you fund a course to improve your career prospects and earning potential.
  • Take between 1 and 5 years to repay your loan. You only pay it back when you've finished your course.

Existing loan customer looking to borrow more?

Help and information about loans, for our existing customers.

We may decline your application based on your circumstances or our lending policy.

If you'd like more help & information, you can:

Chat to us via live chat

Visit us in your local branch

Call us to talk to an advisor

APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.

Per annum is a quicker way of saying ‘for each year’.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.

When a rate is advertised as variable, it means that it could go up or down.

Fixed means your interest rate won’t change for a set period of time. You should always check to see how long your fixed rate lasts.

APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.

The percentage rate charged on a loan is fixed which means you can be sure it won't go up during the duration of your loan.

Per annum is a quicker way of saying ‘for each year’.

APR is the interest rate calculated across the lifetime of your agreement, including any fees (total cost of credit). You can use it to compare the cost of similar products from other lenders.

Per annum is a quicker way of saying ‘for each year’.

Lending decisions are based on personal circumstances, so the rates we offer may vary between customers. When we advertise our products, we use representative rates to show what the majority of customers may be offered.

When a rate is advertised as variable, it means that it could go up or down.

This is the percentage rate charged on a loan.

The percentage rate charged on a loan is fixed which means you can be sure it won't go up during the duration of your loan.

The Co-operative Bank is covered by the FSCS.

The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937.

The Co‑operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co‑operative Bank, Platform, smile and Britannia are trading names of The Co‑operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co‑operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co‑operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.

To give you the best possible experience, this site uses cookies and by continuing to use the site you agree that we can save them on your device. Cookies are small text files which are placed on your computer and which remember your preferences/some details of your visit. Our cookies don’t collect personal information. For more information, please read our updated privacy and cookie policy, which also explains how to disable cookies if you wish to. Read more

FINANCE 101: HOW YOU CAN BENEFIT FROM APPLYING FOR A PAYDAY LOAN ONLINE?

Online payday loans offer a wealth of convenience to everyone. With online payday loans, you can apply and qualify for loans from the comfort of your own home. And that too with no need to visit the bank, contact the lender, or reveal the reasons you require the loan. There is no simpler and more convenient way to borrow money than applying for a payday loan online.

How Online Payday Loans Work: An Overview

Applying for payday loans through a financial institution requires sending a loan agreement through email or fax to the financial institution. After that, the application process is reviewed which takes additional time. Finally, the amount is deposited into the account. Moreover, most of the financial institutions that offer such a loan set strict requirements for qualifying for the loan and also when it comes to repaying the amount. Online payday loans, on the other hand, do not set such strict requirements. You can easily obtain pay day loans online without much of a hassle. The application process for online payday loans is fairly simple and straightforward. You do not need to fax or email documents for obtaining payday loans in most cases. Once the application is approved, the money will be deposited to your account within a few days.

To start getting a loan please check:

  1. Your age is 18+.
  2. You have a bank account.
  3. You are not in army.

What are the Benefits of Online Payday Loans?

Online payday loans offer a lot of advantages to the users. Apart from ease and convenience in applying for the loans, payday loans can also be repaid easily. It is the best way to apply for a loan especially if you are in need of instant cash to meet your financial obligations and requirements. The only requirement is that you should have the resources to repay the amount. The following are the various value-added advantages of online payday loans.

Payday loans are offered for different amounts. Moreover, you have the flexibility of repaying the loan amounts in a period ranging from a few days to a month. The flexible terms and conditions provide greater convenience in paying back the loans.

Applying for payday loans online is easy and convenient for the users. As mentioned previously, you can apply for the loans from the comfort and convenience of your own home. You only have to have sufficient income and a good credit score to become eligible for the loan.

Complete Privacy And Confidentiality Of Information

The personal and banking information that you provide on applying for the payday loan online remains completely safe and secure. The payday loan companies are prohibited by law to share any information that you provide to them without your approval.

The online process is not only easy but it also is fast. You can receive the cash advance within a matter of hours after your application is approved. The fast and efficient process of obtaining a payday loan online ensures that you obtain the loan instantly whenever it is required.

Avoid Falling Into A Debt Hole

Since the payday loan amount is low, you can easily pay back the loan without much difficulty. You can avoid falling into the debt trap by defaulting on the payday loans. It is much easier to payback the loans at the specified time as the loan amount is deducted once you receive your salary.

With online payday loans, you can apply for just the amount you require to meet your financial obligations. For instance, if you require $200, you don’t need to apply for a $2,000 loan from the bank. This saves you costs in terms of charges that you would otherwise pay to the bank.

No Restriction On Use Of Payday Loan

There is no restriction on the use of payday loan. You can use the loan to fulfill any type of financial obligation. Whether you want to use the loans for conducting repairs in the home or for paying the bills, you have total control over how you utilize the loan amount.

The contract with the payday loan lender ends when you repay the loan amount in full. Your association with the lender ends the moment you repay the payday loan amount. You do not have to pay any recurring subscription fee to benefit from the payday loans.

Invaluable Resource During Emergencies

Payday loans serve as an invaluable source for paying emergency expenses. You can utilize the cash for payment of late fees, unexpected fees, and avoid bounced check fees. Payday loans are much cheaper as compared to using credit cards to pay for the emergency expenses. Credit cards carry hefty fees and recurring charges that greatly increase the cost of using such loans.

State laws in North and South Dakota, Ohio, Texas, Massachusetts set an interest rate cap. The state laws disallow charging rates above a certain rate. They also impose a limit on the loan fees and other charges that are paid by the lender. This ensures that the cost of the payday loan does not spiral out of control.

The payback method of payday loans is quick and efficient. When you apply for the payday loan, you will be given a timeline for repayment of the loan. You can repay the loans during the period that fits with the date when you receive your salary.

Final Remarks about Online Payday Loans

On a final note, opting for payday loans online is great for people that want to obtain a small amount of cash quickly. Online financial institutions that offer such services don’t have strict requirements for lending such loans. You do not to have thousands of dollars to obtain the loan. You can obtain the payday loans instantly to pay for your emergency expenses such as car repairs, utility bills, mortgage payments, medical treatment, school or college fees, and much more.

Bank of Loans © 2016. Content is under copyright law.

DISCLAIMER: THIS WEBSITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. Bankofloans.com IS NOT A LENDER AND DOES NOT MAKE LOANS OR CREDIT DECISIONS. Bankofloans.com PROVIDES A MATCHING SERVICE ONLY AND IS NOT ACTING AS A REPRESENTATIVE, AGENT, OR CORRESPONDENT FOR ANY OF THE LENDERS WE CONTRACT WITH. Bankofloans.com DOES NOT CHARGE A SERVICE FEE. Bankofloans.com DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR THE ACTIONS OR INACTIONS OF ANY LENDER. Bankofloans.com DOES NOT ENDORSE ANY PARTICULAR LENDER OR LOAN PRODUCT. YOU ARE UNDER NO OBLIGATION TO USE Bankofloans.com'S SERVICE TO INITIATE CONTACT, OR REQUEST CREDIT WITH ANY OF THE LENDERS. THIS SERVICE IS NOT AVAILABLE IN ALL STATES AND THE SERVICE AVAILABILITY AND SCOPE ARE SUBJECT TO CHANGE WITHOUT NOTICE. SUBJECT TO OUR PRIVACY POLICY, Bankofloans.com WILL TRANSFER YOUR INFORMATION TO LENDERS IN OUR PROGRAM AND OTHER SERVICE PROVIDERS AND MARKETING COMPANIES WITH WHICH WE DO BUSINESS. Bankofloans.com DOES NOT GUARANTEE THAT COMPLETING AN ONLINE FORM WILL RESULT IN YOUR BEING MATCHED WITH A LENDER, BEING OFFERED A LOAN PRODUCT WITH SATISFACTORY RATES OR TERMS, OR A LOAN PRODUCT OF THE REQUESTED SUM OR ON THE DESIRABLE TERMS, OR RECEIVING ANY APPROVAL FROM A LENDER IN THE FIRST PLACE.

PARTICIPATING LENDERS MAY VERIFY YOUR SOCIAL SECURITY NUMBER, DRIVER LICENSE NUMBER, NATIONAL ID, OR ANY OTHER STATE OR FEDERAL IDENTIFICATIONS AND REVIEW YOUR INFORMATION AGAINST NATIONAL DATABASES TO INCLUDE BUT NOT LIMITED TO EQUIFAX, TRANSUNION, AND EXPERIAN TO DETERMINE CREDIT WORTHINESS, CREDIT STANDING AND/OR CREDIT CAPACITY. BY SUBMITTING YOUR INFORMATION VIA OUR ONLINE FORM ON THIS WEBSITE, YOU AGREE TO ALLOW ANY AND ALL PARTICIPATING LENDERS TO VERIFY YOUR INFORMATION AND CHECK YOUR CREDIT. CASH TRANSFER TIMES AND TERMS MAY VARY FROM LENDER TO LENDER. NOT ALL THE LENDERS IN OUR NETWORK CAN PROVIDE UP TO $1000. THE LIMITS AND REGULATIONS VARY FROM STATE TO STATE. WE REMIND THAT SHORT-TERM LOANS ARE NOT A LONG TERM FINANCIAL SOLUTION.

Businesses around the world offer payday loan services including America, Canada, Australia and Great Britain. The regulations regarding simply how much interest might be billed, and limitations on the amounts of the loans vary based on state, the united states, province or county where the cash advance company is located.

Feel blessed, it might not be better. Ok, so you are in debt. Count your blessings that you just have your health, you have food available and a roof to live under. On those awful days when you want to give up, remind yourself of all of the blessings you've got with you each day. Tolerate any situation you can not transform. It's what it's and you can not change what happened, so accept it. You are alive and tomorrow is a fresh day. Make it a great one.

Payday loans could play the role of our pay day income before we receive our next pay packet to take good care of of an invoice that unexpectedly pop up or statements that should be paid immediately.

You'll have to settle the loan amount along with the interest accrued as stipulated in the loan agreement on the repayment date. The repayment date is usually your payday, hence the name payday loan. By debiting the bank account you registered at the program procedure, which will be the bank account into, the repayment will soon be collected by the loan provider.

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