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Personal Loans

No waiting, no surprises. Get a guaranteed personal loan rate online.

We believe in being transparent and fair, so when you apply for an instant quote, it won’t impact on your credit score and we’ll give you a clear picture of your guaranteed and personalised rate from the start.

Loans are subject to status

Loans Billboard
Feefo Gold Service Award Winners 2019
We can lend from £1,000 to £25,000.
Loan terms over one to seven years.
Fixed rates and fixed monthly payments over the whole term.

What is a personal loan?

A personal loan is an amount of money that a bank or other type of lender can provide to an individual. This is based on an agreement that the borrower repays the money back in instalments over a set term. Your lender will also charge you a certain amount for lending the money to you, expressed as APR. The APR includes the interest rate (the amount you are charged for borrowing the money – a percentage of the total amount) and other additional fees and charges involved in taking out a loan.

You can use the money for many different things like, financing a car, a wedding, or a home improvement.

You could even consolidate your debts into one potentially more manageable monthly payment with a personal loan.

How do personal loans work?

Personal loans are unsecured loans, which means that they are not secured against any of your personal assets or property.

When you apply for a quote for a personal loan with Shawbrook, we could offer you a guaranteed personalised rate. The rate you’re offered will depend on your financial circumstances.  All loans are subject to status.  

Find out more about personal loans by reading our ultimate guide.

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impact on your credit score.

When you ask us for a quote, we only do a ‘soft credit search’ so there will be no footprint on your credit file, unless you decide to apply.

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rug pulling.

Some banks advertise very attractive low rates, but when you apply you find you could end up paying much more. With our guaranteed rate, there’ll be no nasty surprises.

We’re committed to being fair and transparent with everyone that applies for a personal loan and that is why we’ve launched our five-point Transparency Charter, which is our promise to you.

Read our Charter

Will I qualify for a loan?

At Shawbrook we look at every customer individually - that’s one key reason why we’re different. But we do have some basic criteria which you’ll have to satisfy before we can consider your application. You must

    • Be aged 25 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
Will I qualify?

Your loan, your way

You can apply for a Shawbrook Bank Personal Loan for a variety of reasons.

  • You can borrow from £1,000 to £25,000.
  • Loan terms available from 1 to 7 years.
  • You get a fixed rate and fixed monthly payments over the whole term.

Get my personalised quote

Your loan your way

What happens next?

Once you fill in our simple online form, you could get a personalised rate within seconds. Then, if you decide to go ahead

  1. We’ll ask you to provide a bit more information, such as your bank account details.

  2. At this point you will need to accept the quotation and allow us to complete a full credit search to proceed with the application.

  3. If this is okay, we’ll send you an e-signature pack, with loan documents for you to review and sign.

  4. Once you return your signed documents, the money will be in your account within 3 working days.

  5. Everything’s done online, and there’s no paperwork through the post.
What happens next

About Shawbrook

Our approach is based on good sense, honesty and clarity.

Shawbrook is proud to be a different kind of bank. Since 2011, we’ve quietly built our business by providing a select range of products for people who don’t always get the best deal from the big high-street banks.

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 - 5.30pm
Sat 10am - 2pm
Sun Closed


Don’t just take our word for it

Thanks to our consistency and customer focus, we have won awards for best unsecured loan lender and we have become a Feefo Gold Trusted Service.

MoneyComm Award  Feefo Gold Trusted Award Logo Highly Commended 2019 Award   Financial Reporter Award 2019   MoneyComms Logo      Financial Reporter Award 2017    

Representative Example

The rate you are offered will depend on your individual circumstances.

All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount.

Representative Example: for comparison purposes 14.9% APR Representative Fixed based on a loan of £10,000 repayable over 60 Months. Monthly payment of £232.53 total amount repayable £13,951.80.


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