Personal Loans

  • Borrow from £1,000 to £50,000 over one to seven years
  • Get a decision in minutes with our simple online application
  • Receive a personal loan quote without affecting your credit score
  • Manage loan repayments with a guaranteed fixed rate upfront

Check your eligibility

All loans are subject to status. Terms and conditions apply

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Why get a personal loan with us?

At Shawbrook, we believe in being transparent and fair with everyone. 

As well as offering guaranteed rates, we give you the flexibility you need. We offer loans from £1,000 to £50,000 with terms from one to seven years. Our simple online application means you could get a quote in minutes without impacting your credit rating. Customers are at the heart of what we do. We’re proud to be award-winning; voted FRA’s Best Unsecured Lender and Moneynet’s Best Personal Loans Provider.

Who can apply?

At Shawbrook, we look at every customer’s financial circumstances individually. That's another reason why our personal loans are different from other lenders. But we do have some basic criteria you'll have to meet before we can consider your application. You must:

  • Be aged 21 to 75
  • Have been a UK resident for at least three years
  • Have an annual income of at least £15,000
  • Have a personal bank account in the UK
  • Have a good credit history with no outstanding County Court Judgement (CCJ)

Calculate your personalised quote

See what our customers have to say 




Ready to apply?

We like keeping things clear and simple.

When you apply with us, we use a soft credit search so getting a quote won’t impact your credit score.

If you’re eligible, we’ll let you know the rate you’ll actually get so you can decide what’s right for you before applying for a loan. No waiting, no surprises; just a guaranteed personalised rate upfront.

If you’re happy to proceed, the next step is to provide us with your bank details and accept your rate. We’ll then send you a link by email to sign your loan documents online. Once the loan has been approved and we have signed the agreement, you’ll receive the funds within three working days.

Apply for a personalised quote


What will I need to apply online?

If you meet our eligibility criteria, you'll need the following information ready to apply for a quote:

  1. Residential addresses for the last three years
  2. Contact details, including an email address
  3. Employment information


Representative Example

The rate we offer you will depend on your circumstances.

Representative Example: for comparison purposes, 16.9% APR Representative based on a loan of £10,000 repayable over 60 months (five years) with an interest rate of 16.9% p.a. (fixed). Monthly payment of £241.68 total amount repayable £14,500.74.

All personal loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount. That's why you won't find a loan calculator on our website. To find out more about this as well as our commitment to transparency, visit our guide on Why Shawbrook Bank doesn't use loan calculators.

We offer loans from £1,000 to £50,000 with loan terms from one to seven years. The maximum APR rate you could be offered is 34.9%.

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About Shawbrook

Personal loans without the confusion.

We’re proud to be a different kind of bank. We’re committed to being fair and transparent with everyone that applies for a personal loan, so this is our promise:

  • Honest: What you see is what you get.
  • Open: We want you to get the rate that’s right for you.
  • Fair: Get a rate that’s based on your individual circumstances.
  • Upfront: If it’s not good for you, it’s not good for us
  • Clear: We won’t waffle.

View our Transparency Charter


Need help?

We’re standing by to help with your application.

Call us on 0345 600 6260

Opening Hours (Exc. Bank Holidays)
Mon - Fri 9am - 7pm
Sat 10am - 2pm
Sun Closed

About Our Personal Loans

If you have any questions about our personal loans, please visit our help centre.

Unsecured personal loans are loans that are not secured against any of your assets, such as your home or car.

These loans are typically for smaller amounts when compared to the amount you could borrow with a secured loan and can be more expensive because of the risk attached to unsecured lending.

However, at Shawbrook, we will give you a clear picture of your guaranteed rate when you apply for a quote so you can decide whether this is the right option for you.



Of course — you have the right to pay a personal loan back early or make an additional monthly repayment under the Consumer Credit Act. But it’s important to know that this may be subject to an early repayment charge.

To discuss your options with a member of our team, please contact us. If you have taken out a loan with us on or after 13th December 2021, you can also log in to your customer portal to contact us:

Alternatively, you can find out more by reading our guide on paying off a loan early.

Payments on your loan are calculated by considering how much you want to borrow, how long you want to borrow it, and how much it will cost you including any fees. A lender will use the annual percentage rate (APR) on this sum to give you a fixed monthly payment over the duration of your loan.

Some lenders offer an online calculator to help you see what your repayments could look like if you chose to borrow with that specific lender.

At Shawbrook, we believe that personal loan calculators might not accurately reflect what interest rate you’ll get when you apply for a loan. When you use a calculator, this may not be the actual rate you receive, so you won’t have a clear picture of the rate you’ll get and the associated repayments until you apply.

Instead of using loan calculators, we offer you a guaranteed rate through our quote tool, which provides you with a breakdown of your repayment costs based on the actual APR that you’re eligible for. And don’t worry; applying for a quote will not affect your credit score.

For more information, read our guide on why we don’t use loan calculators.

Don't just take our word for it

Thanks to our consistency and customer focus, we have won awards for best unsecured lender and been awarded an excellent rating on Trustpilot.

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