Whether it's for a dream holiday, home improvement, big purchase or special occasion, you could borrow £1,000 to £35,000 and repay over 1-5 years. If you are looking to borrow £7,500 or more, there is the option to repay over 6 or 7 years. Other conditions apply for debt consolidation  go to footnote 1.
You can repay your loan early in part or in full. An early repayment charge will apply  go to footnote 2
With fixed rates, you’ll know exactly what you’ll be paying each month
 Loans may be granted over terms of 6 or 7 years if the loan amount is £7,500 or more and less than 50% of the loan is to repay existing lending with us.
In October 2018, Virgin Money plc (Virgin Money) joined forces with Clydesdale Bank PLC (Clydesdale).If you have any products with Virgin Money, we need you to read some information before your apply.
|Borrow (£)||Term time||Monthly repayments (£)||Interest rate per annum (Fixed)||Representative APR||Total amount payable (£)|
All loans are subject to status. The interest rate offered may differ from the Representative APR shown depending on our assessment of your financial circumstances and your chosen loan amount. For loans between £1,000 - £25,000 the maximum APR offered will be 29.9%.For loans between £25,001 - £35,000 the maximum APR offered will be 14.9%.
To apply for a loan you must be aged 18 or over
 You can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction we will charge up to an additional 58 days' interest on the amount you repay. You will need to contact our Customer Services team to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with options on how to make this payment.
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If you are approved your loan could be credited to your account within 2 hours.
Please note: If you are approved after 6:55pm Monday to Friday, you loan will be credited to your account by midday next day. No downtime at weekends.
Yes, you can repay your loan in full and part at any time and we'll reduce the total charge for credit payable under the agreement. When calculating this reduction, we will charge up to an additional 58 days' interest on the amount you repay.
You will need to contact our Customer Services team on 0800 028 3632 to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with an up to date settlement figure and options on how to make this payment.
You can apply online and choose to include your existing Personal Loan provided you are borrowing at least £1,000 in new funds. As part of the online application you will be asked to provide the sort code and account number for your current Loan, these can be found on Internet Banking if you are registered or by calling our support team on 0800 707 6471.
Your loan will be drawn down when we receive all required documentation. As part of this process your current loan will be automatically repaid.
Please Note: As your current loan will not be repaid until the new loan is in place please ensure any repayments on your current loan are kept up to date.