Your payments
When will I have to make my first repayment?
The terms of your Shawbrook personal loan are set out in your credit agreement. Refer to this document to find out when you are due to make your first repayment.
How often do I make payments back to my loan?
Shawbrook loans should be paid back in monthly instalments.
Can you refund a payment I have made?
As the payment you have made is towards a financial commitment, we do not offer a refund. However should you need to discuss the payment, please contact us.
Loans taken after 13th December 2021
If you took your loan with us on or after 13th December 2021, please call us on 0333 003 0260.
You can also log in to your customer portal to contact us.
Please note, if you are contacting us about additional borrowing on your existing loan, we do not offer this. However, you may be eligible to apply for another loan with us. We are unable to carry out phone applications but you can apply via our website or one of our partners.
Our team is available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
We're closed at weekends and public holidays.
Loans taken before 13th December 2021
If you took your loan with us before 13th December 2021, please call us on 0345 650 6290.
Please note, if you are contacting us about additional borrowing on your existing loan, we do not offer this. However, you may be eligible to apply for another loan with us. We are unable to carry out phone applications but you can apply via our website or one of our partners.
Our team is available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm.
We're closed on Sundays and public holidays.
How do I change my direct debit information?
To update your direct debit information, please contact us.
Loans taken after 13th December 2021
If you took your loan with us on or after 13th December 2021, please call us on 0333 003 0260.
You can also log in to your customer portal to contact us.
Please note, if you are contacting us about additional borrowing on your existing loan, we do not offer this. However, you may be eligible to apply for another loan with us. We are unable to carry out phone applications but you can apply via our website or one of our partners.
Our team is available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
We're closed at weekends and public holidays.
Loans taken before 13th December 2021
If you took your loan with us before 13th December 2021, please call us on 0345 650 6290.
Please note, if you are contacting us about additional borrowing on your existing loan, we do not offer this. However, you may be eligible to apply for another loan with us. We are unable to carry out phone applications but you can apply via our website or one of our partners.
Our team is available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm.
We're closed on Sundays and public holidays.
Can I pay my loan with a credit card?
No, you can't use a credit card to pay either your monthly instalments or a lump sum from your loan.
Can I take a payment holiday?
We do not offer payment holidays for Shawbrook personal loans.
If you are struggling to make payments on your loan, please contact us immediately.
Loans taken after 13th December 2021
If you took your loan with us on or after 13th December 2021, please call us on 0333 003 0260.
You can also log in to your customer portal to contact us.
Please note, if you are contacting us about additional borrowing on your existing loan, we do not offer this. However, you may be eligible to apply for another loan with us. We are unable to carry out phone applications but you can apply via our website or one of our partners.
Our team is available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
We're closed at weekends and public holidays.
Loans taken before 13th December 2021
If you took your loan with us before 13th December 2021, please call us on 0345 650 6290.
Please note, if you are contacting us about additional borrowing on your existing loan, we do not offer this. However, you may be eligible to apply for another loan with us. We are unable to carry out phone applications but you can apply via our website or one of our partners.
Our team is available:
Monday - Thursday: 8am-8pm
Friday: 8am-6pm
Saturday: 9am-2pm.
We're closed on Sundays and public holidays
How do you calculate the interest rate on my loan?
When you apply for a Shawbrook loan, we will use a credit score to help make a decision on whether to lend the money or not and assess whether you can afford the loan. Your score will be based on information from credit reference agencies.
If you are considered to have a good credit score, you could be offered a lower rate.
If you are considered to have a bad credit score, you could be offered a higher rate.
The interest is calculated daily but applied monthly.
Can I claim interest on a loan against my taxes?
For tax advice please contact HMRC or a qualified accountant.
Do my payments change with the change in the Bank of England rates?
No, your loan is a fixed monthly repayment, which means that the interest rate is fixed for the term of your loan and your monthly repayments will not change.
Documents & information
You’ll find forms and other information here for our personal loans products.
About our personal loans products
Find a contact number, explore our products or get help and inspiration with our personal loans insights hub.
Contact us about a personal loan
If you need to get in touch with us about a personal loan, you’ll find the right person here
Our personal loans proposition
You’ll find out more about our products and proposition on our personal loans home page.
Personal loans insights hub
You’ll find a number of useful guides to support you. From helping to debunk financial jargon to planning and budgeting to turn your dreams into a reality.