TSB Personal Loans Fixed-Rate Deals, Representative APRs and Same-Day Transfers for Current Account Holders
Everything current account holders need to know about TSB personal loans, including fixed-rate deals, representative APRs from 6.2% and same-day transfers
Why choose TSB personal loans
TSB personal loans are a solid option for UK borrowers looking for transparent, fixed-rate borrowing. With representative APRs from 6.2% for eligible customers and loan amounts from £300 up to £50,000, the product suits everything from small home projects to larger consolidations.
Current account holders often get faster access to funds, making TSB a practical choice for anyone who values clear costs and predictable monthly repayments.
Fixed-rate deals and repayment flexibility
TSB offers fixed-rate unsecured loans with terms from 1 to 7 years, so monthly payments remain steady throughout the agreement. Fixed-rate deals help with budgeting and protect borrowers from rate rises over the life of the loan.
Overpayments are allowed without penalty, and there’s no application fee, which makes TSB personal loans attractive for those who might want to clear debt early or adjust repayments when finances improve.
Representative APR, eligibility and same-day transfers
The advertised representative APR of 6.2% applies to many existing customers borrowing between £7,500 and £25,000; the exact rate depends on credit profile and income. Always check the personalised rate during the online application to compare true costs.
TSB current account holders who’ve held an account for over three months can qualify for same-day transfers in many cases, and most applicants receive an instant decision online—useful when funds are needed quickly.
How to apply and what to expect
Applying for TSB personal loans is straightforward: complete the secure online form, or call if you prefer to speak to someone. You’ll need proof of identity, income details and a UK bank account able to accept direct debits.
Before you apply, run the TSB loan calculator to estimate monthly repayments and total interest. If approved, set up Direct Debit and monitor repayments via the TSB app—customers praise the app for easy loan management and clear statements.
