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Personal loan calculator

Got big plans? Use our loan calculator to help find a loan to suit you from £1,000 - £35,000.

Personal loans are getting a Virgin Money makeover

We've joined forces with Virgin Money and the team has been busy behind the scenes to bring the brands together and create one brilliant bank under the Virgin Money name.

Over the coming months we'll be rebranding our personal loans. You can still apply for a personal loan with Clydesdale Bank now, and you'll have a Virgin Money personal loan from the end of July 2020.

We're taking care of everything so you won't need to do a thing. It'll be the same account with added Virgin Money sparkle.

Calculate your estimated repayments

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 [1] go to footnote 1.

Different rates apply depending on the loan amount and your personal circumstances, so we've created a calculator to make it easier to help find a loan to suit you.

UK residents only. Subject to status & eligibility. 18+. Rates depend on loan amount & individual circumstances.

[1] 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.

How our loans work

Fixed repayments

With fixed rates, your monthly repayments won't change

Early repayment

You can make extra payments or repay in full early. An early repayment charge will apply [2] go to footnote 2


Representative example 

Borrow (£) Term time Monthly repayments (£) Interest rate per annum (Fixed) Representative APR Total amount payable (£)
£0 0 £0 0% 0% £0

All loans are subject to status. UK residents only. 18+. 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%.

Apply now in just 15 minutes

Apply now for Personal Loan

Continue an application for your Personal Loan

To apply for a loan you must be aged 18 or over.

Additional information

[2] 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.

Got any questions?

Give us a call

Prefer to talk to someone?

0800 707 6471

Or if you're abroad: +44 141 951 7320

Popular questions about loans

How much can you borrow with a personal loan?

You can borrow between £1,000 and £35,000 with a personal loan from Clydesdale Bank, subject to your circumstances.

What if I want to borrow more than £35,000?

This isn’t possible unless you are looking for personal car finance. If you’re looking to borrow more than £35,000 to buy a car, our Asset Finance Direct Team may be able to offer a hire purchase agreement secured against your car. This will have fixed monthly repayments and a fixed interest rate. You own the car once the final payment and completion fee is made. Equal instalment or balloon payment (lump sum) options are available.

Call our Asset Finance Direct Team on 0800 141 2231. Credit subject to status & eligibility.

How long can I take a loan over?

Our loans can be borrowed over 1 to 5 years. However, loans may be granted over terms of 6 or 7 years if the loan amount is £7,500 or more, and if the purpose of the loan is to repay existing lending with us, the additional amount borrowed must be of greater value than the existing lending that is to be repaid.

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