Features and benefits

  • Borrow from £1,000 to £25,000.
  • Repay over one to five years.
  • Fixed repayments.
  • Choose a repayment date that suits you**.
  • There’s no charge when you repay the full amount early.
  • Rates are set and fixed based on the amount you borrow.
  • We’ll make sure your loan fits your finances and you can afford the repayments.

** Excludes the 29th – 31st of the month within 35 days of opening the loan.

This product is designed for customers living in the Channel Islands or the Isle of Man.

Information on our loans for customers in the United Kingdom.

Eligibility

You must be age 18 or over and resident in the Channel Islands or Isle of Man to apply.

Lending is at the Bank's discretion. How much we lend, the rate available to you and the issue of a loan is subject to our assessment of your circumstances. 

Loan Annual Percentage Rates

Loan representative examples

Loan amount

Term

% APRAnnual Percentage Rate - the interest payable on what you’ve borrowed is added and then expressed as an annual rate of charge. The APR helps you compare the true cost of borrowing. The APR takes into account all of the interest applied to the loan as well as the monthly payments over its life.

Loan amount

£1,000 - £4,999 

Term

1 – 5 years

% APRAnnual Percentage Rate - the interest payable on what you’ve borrowed is added and then expressed as an annual rate of charge. The APR helps you compare the true cost of borrowing. The APR takes into account all of the interest applied to the loan as well as the monthly payments over its life.

14.9%

Loan amount

£5,000 - £7,499 

Term

1 – 5 years

% APRAnnual Percentage Rate - the interest payable on what you’ve borrowed is added and then expressed as an annual rate of charge. The APR helps you compare the true cost of borrowing. The APR takes into account all of the interest applied to the loan as well as the monthly payments over its life.

11.9%

Loan amount

£7,500 - £25,000

Term

1 – 5 years

% APRAnnual Percentage Rate - the interest payable on what you’ve borrowed is added and then expressed as an annual rate of charge. The APR helps you compare the true cost of borrowing. The APR takes into account all of the interest applied to the loan as well as the monthly payments over its life.

6.4%

Rates correct as at 1 August 2023.

Get in touch to apply

Get in touch to apply

Use our contact form or call us to make an appointment. Your local team will help you choose the right loan and apply.

Make an appointment

Frequently asked questions

  • When applying for your loan, you’ll choose a repayment term of between one to five years. That means your payments will be spread across one to five years. The amount you pay each month is fixed, so you can budget more easily.

  • Make sure you bring ID. This could be your original passport or driving licence. Also, bring proof of your address.

    You will also need to bring your last 3 months or 4 weeks’ payslips depending on how you are paid. If you are self-employed you will need to bring your last 3 years’ tax returns.

    If you hold bank accounts or credit cards with other providers, we may ask to see details of these. We’ll let you know at your appointment if we need to see these.

  • We can’t guarantee everyone will be approved for a loan. Whether we can give you a loan, how much we can lend you, and the rate we can give you is based on your circumstances.

  • You’ll usually get an answer within 48 hours, but for some people it can be sooner. 

  • If you need extra information, please call 03457 449900. Our automated services are available 24/7.  If you need to speak to an adviser not all Telephone Banking services are available 24 hours a days, seven days a week.

    Contact us for contact numbers and opening times which may vary depending on the service that you require.

    To ensure security for our customers and staff and to help maintain service quality, some calls may be recorded and monitored. Call costs may vary depending on your service provider.

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